persons based on a core set of harmonised concepts and definitions. Starting with reference data from September 2018, credit …) individual credit exposures falling within the reporting scope. The reporting framework is the outcome of in-depth discussions … Regulation, AnaCredit will, already in Stage 1, significantly enhance the value for analysis on credit and credit risk in the …

show a shock to the marked-to-market (MTM) value of bank exposures to sovereign debt led to credit tightening in 2010 … to market, I explore the transmission channels of the unrealized losses on credit supply. I show that a shock to MTM …

Union (EMU) banking sector. The paper's central hypothesis that capital adequacy of the EMU banking sector influenced credit …, the sub-hypothesis that higher capital adequacy resulted in negative credit growth was supported for the crisis period. We …

the European Union member states that have large penetration of bank credit. Building on the model of financially open … increase in private bank credit relative to the gross domestic product (GDP) and the gap between real interest rate and GDP …

negatively related to credit spreads. Particularly during the financial crisis of 2007-09 and the subsequent European debt crisis …, lending was reduced and we observe that banks requested higher credit spreads. Of particular importance is that market …