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 …

the effect of entry threat on incumbent banks' loan loss provisions. Incumbents exposed to entry threat have offsetting …

banks over the period 2009-2019 on credit to firms, exploring possible heterogeneities across several dimensions. During a 3 …-year time window after each deal, we detect a reduction in loans to firms financed by target banks, in line with the …

function for banks. Banks employ labor resources, hired on a competitive market, to run their operations. In equilibrium this … low inflation. Hence, if monetary policy is sufficiently tight then banks end up reducing aggregate efficiency, soaking up …

Banks often have to determine the credit worthiness, i.e. the ability to repay the loan, of their customers ex …

-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 …

I address the following issue in this paper: how does information sharing among banks about borrowers affect banks … sharing among banks reduces lenders' risk and results in lower lending rates than any other arrangement. This may be the … rates than any other form of information sharing under fairly general conditions. Despite its lucrative features, banks are …

on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs … maximization and a sustainable provision of financial services to local customers. We find that banks with a public mandate are 25 … percent less cyclical than other local banks. The result is credit supply-side driven and especially strong for savings banks …