making the assumption that balance-sheet resource allocation is indicative of the strategic focus of banks, we also find …

monetary policy was up (down). Overall, we find that competition among banks and competition from financial markets result in a …

This paper analyses the impact of loan market competition on the interest rates applied by euro area banks to loans and … bank interest rates, we likewise find that banks tend to price their loans more in accordance with the market in countries … heavier in the loan market than in the deposit markets, so that banks compensate for their reduction in loan market income by …

amplification mechanism, by which banks overextend and misallocate credit when asset prices rise, and ration it when they drop. The … towards banks, while simultaneously supporting the development of securities markets. …

, and the interaction with banks’ risk management, supervisory tools and statistical requirements. It also examines how the … application of fair value accounting to banks’ trading book has impacted their share price volatility. It is concluded that the …

-interest rate credit conditions and terms, the risk perception of banks and the willingness of banks to lend. Credit standards are … the internal guidelines or criteria of a bank which reflect the bank’s loan policy. The terms and conditions of a loan …

Following the adoption by the Basel Committee of new capital rules for banks, a process is now taking place in the EU …

differences in financial factors, which may reflect differences in country risk and the legal and regulatory framework that banks …

differences in financial factors, which may reflect differences in country risk and the legal and regulatory framework that banks …