This occasional paper explains why the bank lending survey was developed by the ECB and describes its main features. It … clarifies why the survey was introduced. Furthermore, the paper demonstrates that the value added of implementing a bank lending … survey for the euro area lies in particular in the way it provides greater insight into developments in credit standards, non …

choices. We employ data on over 6,000 commercial loans from 53 large U.S. banks. Our results for low-risk firms are consistent …

We use bank level data to study the efficiency of banks in Sub-Saharan African middle-income countries and provide … possible explanations for the difference in the efficiency levels of banks. We find that banks, on average, could save 20 …-30 percent of their total costs if they were operating efficiently, and that foreign banks are more efficient than public banks …

We study a banking model in which banks invest in a riskless asset and compete in both deposit and risky loan markets … explore these predictions empirically using a cross-sectional sample of 2,500 U.S. banks in 2003, and a panel data set of … about 2600 banks in 134 non-industrialized countries for the period 1993-2004. With both samples, we find that banks …

This occasional paper explains why the bank lending survey was developed by the ECB and describes its main features. It … clarifies why the survey was introduced. Furthermore, the paper demonstrates that the value added of implementing a bank lending … survey for the euro area lies in particular in the way it provides greater insight into developments in credit standards, non …