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in France whose rates are set by the government. Using administrative credit-registry and regulatory bank data, we find …
Persistent link: https://www.econbiz.de/10013163182
largest U.S. banks had their senior unsecured bonds ranked pari-passu with bank deposits under the market conditions from 2006 … to 2015. Since 1994 senior bank bonds are subordinated to bank deposits in the event of liquidation. And during the … financial crises of 2008-2009 and 2011, the maximum 5-year bank credit spread among the four largest banks was over 400 basis …
Persistent link: https://www.econbiz.de/10012956317
This paper examines whether there is a causal relationship between bank loans and deposits in the Vietnamese banking … system and the efficiency of the use of loans and deposits by the Vietnamese banks. In a country such as Vietnam, where inter-bank … equations model, is employed to derive the frontiers for the sampled banks as well as to estimate the causality between bank …
Persistent link: https://www.econbiz.de/10011848343
resources in the form of deposits. Therefore, bank credit needs to be modelled as a monetary phenomenon, which directly fuels … lend, the bank does not have to raise deposit rates or significantly increase borrowing from abroad as deposit dynamics … closely resembles that of credit, which allows us to analyse real and nominal consequences of bank credit (and money) creation. …
Persistent link: https://www.econbiz.de/10012123430
Using data on marginal interest rates of loan and deposit products by Spanish banks, we find that the level of interest rates on loans (deposits) across geographic markets decrease (increase) with the number of banks in each market, and that the level of interest rates on loans increases with...
Persistent link: https://www.econbiz.de/10014211950
. Using branch-level deposit rate data, we find little evidence for market discipline as rates are similar across bank … correlated with loan growth in other states in which their bank has some presence, suggesting internal capital markets help … reallocate the bank's funding …
Persistent link: https://www.econbiz.de/10011772352
We find that banking relationships built through institutional cross-ownership influence the granting of loans as well as loan contract terms. Specifically, firms newly added to institutional cross-owners’ portfolios are more likely to borrow from banks that previously issued loans to other...
Persistent link: https://www.econbiz.de/10013228358
the corresponding impact on the bank's profitability and lending behavior. It also seeks to investigate the macroeconomic …
Persistent link: https://www.econbiz.de/10012826179
In this paper, we use U.S. commercial banks' data to investigate whether the effect of unexpected deposit flows on loan production depends on banks' exposure to off-balance sheet funding liquidity risk. We find that lending is sensitive to deposit shocks at small banks but not at large ones....
Persistent link: https://www.econbiz.de/10012838854
We investigate how funding liquidity affects the bank lending using a large sample of US bank holding companies. We …
Persistent link: https://www.econbiz.de/10012219239