Using a unique dataset of the Euro area and the U.S. bank lending standards, we find that low (monetary policy) short … securitization activity, weak supervision for bank capital and too low for too long monetary policy rates. Conversely, low long …

We exploit a unique monthly dataset of bank balance sheets to document the lending behaviour of euro area banks that … against exposure to sovereign debt. Controlling for bank characteristics and demand at the level of country of residence, we …

This paper gives an overview of the recent literature on bank business models, structured along what we deem to be the … supervision towards the analysis of bank business models with a sound economic basis. The bottom-line for supervisors - in our … view - is that it is essential to understand where the profit comes from and what risks the bank or the banking sector is …