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 …

Asset recovery rate is a key factor for credit investors. This study explores the determinants of bank asset recovery …

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 …

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 …

prediction model where the bank type is determined by observable risk proxies such as ex-ante credit ratings, which influence the …

Ongoing financial innovation and greater information availability increase the tradability of bank assets and reduce … banks' dependence on individual bank managers as private information in the lending process declines. In this paper we argue … bank managers and shareholders becomes less severe. Consequently, banks' capital structure needs to be less concerned with …