This paper studies how organizational downsizing in a bank affects loan officer specialization and the credit default …

encourage banks to attract more deposit as this has a significant impact on the credit ability of the banks. A periodic review …

bank credit reallocation with endogenous firm entry and exit that allows for both theoretical and quantitative analysis. By … also redirect existing credit to more productive entrants. This reduces banks’ dependence on household deposits that are …

bank credit reallocation with endogenous firm entry and exit that allows for both theoretical and quantitative analysis. By … also redirect existing credit to more productive entrants. This reduces banks' dependence on household deposits that are …

This paper describes the model of credit growth in the sector of commercial banks in Poland making use of panel data …. The model framework includes equations of credit growth in particular segments of loans – corporate, consumer and housing …

This study examines the relation of bank loan terms like interest rates, collateral, and lines of credit to borrower … risk defined by the banks’ internal credit rating. The analysis is not restricted to a static view. It also incorporates … weighted average of credit rating before and after a rating transition serves to compensate for low earlier profits caused by …

further. Our findings indicate that existing regulations may amplify shocks to credit quality during periods of generalized …