Using administrative data on deposits and loans of every Norwegian with every Norwegian bank, we show that an existing … deposit account makes a household more likely to hold deposits at the same bank later despite better alternatives and more …

This paper studies bank competition with borrower adverse selection. In the model, expected non-performing loan costs … competition. I show that with asymmetric costs, bank market shares are always inversely related to their efficiency, and that bank … are high when credit is granted in booms, when risk free rates are low, or when competition is strong. I prove that full …

Bank (ECB) on the credit supply of the euro area banks. An empirical approach is used that permits distinction between the … that the TLTROs produce in the competition between banks in the loan and deposit markets and which also affect banks that … from 13 countries and their confidential replies to the ECB Bank Lending Survey, it is found that the TLTROs played a …

) relationship between the standard deviation (coefficient of variation) and the average in bank lending-rate markups. In a … quantitative theory consistent with these empirical observations, banks' lending market power is determined in equilibrium and is a … than competing for additional loans. As a result, banking activity need not be welfare-improving if inflation is …