individual bank level. We find that the choice of the term structure and the pass-through model is of limited importance for the …

deposit franchise, which allows banks to pay deposit rates that are low and insensitive to market interest rates. Hedging the …

Current research, especially after the financial crisis, highlights different key determinants of high risk bank … profiles. The main aim of this paper is to test, through an empirical model, the impact of various determinants of bank … business models on the bank risk with the purpose of enabling early identification of signals of risk and timely application of …

We identify the effects of negative interest rate policies on bank behavior using difference-in differences … mortgage margins is shown to depend on market power. Third, imposing negative rates on all central bank reserves causes banks …