bank issues covered bonds backed by a pool of assets that is bankruptcy remote and replenished following losses …. Encumbering assets allows a bank to raise cheap secured debt and expand profitable investment, but it also concentrates risk on …

indicates that the reduction in bank lending during the crisis was at least partly caused by stricter bank screening and …

the LRR is no longer the binding capital constraint on them. If the LRR is lower than the average bank's IRB requirement …

This study examines whether the increased availability of bank loans affects borrowers’ voluntary disclosures …. Exploiting the staggered deregulation of interstate bank branching across states in the U.S., I find that bank-dependent firms … decrease their voluntary disclosures following bank branching deregulation. This overall effect is muted for firms with higher …