of 29 banks. The results show that inelasticity of deposit supply is a major determinant of interest spread whereas … banks is the absence of alternate options for the savers. The on-going merger wave in the banking industry will further …

prices that banks pay for liquidity, captured here by borrowing rates in repos with the central bank and benchmarked by the … overnight index swap. We have price data at the individual bank level and, unique to this paper, data on individual banks … liquidity. We find that the price a bank pays for liquidity depends on the liquidity positions of other banks, as well as its …

asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem …Banks provide risky loans to firms which have superior information regarding the quality of their projects. Due to … distorts the operation of credit markets. We show that a binding CVaR constraint introduces credit rationing and lowers social …

preference theory, that which emphasizes the role of banks's liquidity preference, is significant in determining bank markups …

of 29 banks. The results show that the share of interest-insensitive deposits in total bank deposits is a key determinant …

preference theory, that which emphasizes the role of banks's liquidity preference, is significant in determining bank markups …

collateral and personal guarantees as explanatory variables. We show that banks follow different lending policies according to … the type of customer. In the case of firms banks seem to efficiently screen and monitor customers, and guarantees (real … and personal) are used to reduce moral hazard problems. In the case of consumer households and sole proprietorships banks …