Using administrative data on deposits and loans of every Norwegian with every Norwegian bank, we show that an existing … deposit account makes a household more likely to hold deposits at the same bank later despite better alternatives and more …

How a historic drop in bank deposits shapes banks' loan supply? We exploit the effects of a large, and unexpected … includes all bank-firm lending relationships in all euro area countries. We find that banks experiencing large deposit outflows …

We examine the role of private deposit insurance for deposit flows, bank lending, and moral hazard during a financial …

needs withdraw their deposits early and are not willing to re finance a bank. Early withdrawals curtail excessive bank … lending and thereby commit a bank to monitoring. In contrast, banks with coupon bonds can refi nance in the interim stage and … expand on risky lending, which derails monitoring. This finding speaks against the separation of bank lending and deposit …

In this paper, we survey the nascent literature on the transmission of negative policy rates. We discuss the theory of … how the transmission depends on bank balance sheets, and how this changes once policy rates become negative. We review the …

-run supply of bank credit. As U.S. bond rates have fallen, the pass-through of monetary shocks to loan and deposit rates has … weakened while the spread on U.S. bank loans has risen. I build a model in which banks earn deposit and loan spreads, deposits … dampened at low rates, because deposit spreads act as a better hedge for bank equity against unexpected monetary shocks. In the …

Exploiting confidential data on individual German bank balance-sheets, I analyse what characterises a bank that opts to …

bank's financial condition deteriorates, depositors have an incentive to withdraw their funds, and corporations will find … over the last two decades to a deterioration in the performance of their bank. We find that during recessions, in … to borrower-, bank-, and credit-line-specific controls as well as bank-fixed effects, show that banks' provision of …