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

of claims of domestic banks on debtors in other euro-area countries, and an increase is expected to lead to higher …

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 …

-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 …

The EU plans to revise the capital adequacy rules for banks in 2025. Regulatory amendments will be introduced in Norway … for small and medium-sized banks (SA banks). This may enable SA banks to offer cheaper loans. The new rules will have … limited implications for the largest Norwegian banks (IRB banks), but they may contribute to more equal and comparable capital …

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 …