How a historic drop in bank deposits shapes banks' loan supply? We exploit the effects of a large, and unexpected … includes all bank-firm lending relationships in all euro area countries. We find that banks experiencing large deposit outflows … is stronger for fixed rate and longer maturity loans, but not for riskier borrowers. The effect is mostly driven by banks …

new empirical evidence on how banks’ lending responses to monetary policy shocks depend on their capitalization ratios …. Highly capitalized banks reduce their lending more after a monetary tightening, even after controlling for bank liquidity …

capture differences in credit market integration by variations in the cost for banks to grant credit for cross …