affected banks and by non-affected non-bank financial institutions (NBFIs)? To answer this question, we apply a difference …What is the impact of a sudden and sizeable increase in bank capital requirements on the lending activity by directly … that insurance companies, financial enterprises, and factoring companies - but not leasing companies - and Non-EBA banks …

provisions tend to be more procyclical at larger and better capitalized banks. The procyclicality of loan loss provisions can … explain about two-thirds of the variation of bank capitalization over the business cycle. We estimate that provisioning … procyclicality in the euro area is about twice as large as in other advanced economies. This difference reflects a larger …

Business cycles imply liquidity risks for banks. This paper explores how these risks influence bank lending over the … cycle. With forward-looking banks, lending cycles, credit booms and busts, or suppressed and highly fragile bank systems can … unpleasant effects on bank lending. Imposing countercyclical capital adequacy ratio may amplify procyclicality or result in …

. However, bank customers will only turn to the new business model of web-based financial intermediation if the economic …