financial reporting systems around the world. The expected credit loss model requires banks to monitor their borrowers closely …The recent switch from the incurred credit loss model to the expected credit loss model is an important change to bank … stronger for borrowers with greater bank dependence. It is also stronger in environments where banks themselves face more …

from banks to which they have larger pre-COVID credit exposures, measured as the share of the firm’s total credit … loans, in part reflecting early prepayment of outstanding private credit. Further, banks that grant guaranteed loans are …) credit risk. Finally, we find that banks that participate more in the public credit guarantee scheme gain market share by …

private firms. During the credit boom in 2009 and 2010, the large and state-owned firms increase leverage ratios by 2.26% and …

document a consistent evidence of a lower loan growth for banks that rely more on deposits. The quantile regressions which … dissect the lending behavior of banks at the right tail of loan growth distribution point out the leveraged effect of funding … liquidity is larger in high-loan-growth banks. The negative effects of funding liquidity on lending seem to be clearer before …

on banks' deposits, corporate groups started to maximise their use of internal sources of financing. In particular, cash …

The response of major central banks to the global financial crisis has revived the debate around the interactions …-offs, and the adverse spillovers on banks' intermediation capacity and risk-taking require close monitoring. The paper ends by …

for the U.K. Thereby, we explicitly disentangle credit supply and demand and allow the interest rate charged on loans to … depend on the volume of loans. We find that, although banks adjust the lending rate to some extent, they largely accommodate … shifts in demand. Overall, our results are consistent with the idea that banks provide insurance against liquidity shocks …

relationship lending play a larger role in loan pricing than the entrepreneur's age. Banks do not seem to discriminate older …