Using a sample from 38 economies, we examine the relation between bank regulators’ supervisory power and loan spreads … association is more pronounced when firms have lower credit quality, when the relationships between firms and banks are less … supervisory power of bank regulators affects loan contracting by mitigating lenders’ excessive risk taking …

bank credit conditions for issuer firms, both at the firm-bank and firm level. We compare new loans granted to issuer firms … addition, issuer firms reduce the amount of used bank credit but increase the overall amount of available external funds …, pointing to a substitution with bank credit and to a diversification of corporate funding sources. Studying their ex …

-performing loans by making balance sheet adjustments. This study draws insights into the actions taken by credit risk management teams … and bank managers to minimize the size of non-performing loans. After examining 82 banks from US, Europe, Asia and Africa … predictive power of each bank-specific factor (excluding loan diversification), regulatory variable and macroeconomic indicator …

We investigate how funding liquidity affects the bank lending using a large sample of US bank holding companies. We … 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 …

Systemically Important Banks (G-SIBs) on bank lending behaviour. Using a difference-in-differences estimation strategy, we find no … effect of the reforms on overall credit supply, while at the same time documenting a substantial decline in borrower- and …

The purpose of this paper is to derive a model for calculation of maturities and volumes of repayments that a bank may … intervals. The model in this paper is in interest of any bank and in particular of banks with a higher fraction of NPLs in their …

lending could a lender achieve if it were fully efficient at credit-risk evaluation and loan management? The frontier … ratio, adjusted for statistical noise, and the minimum ratio gauges lending inefficiency. In 2013 and 2016, the largest bank … among the five size groups constituting the sample. Moreover, the inherent credit risk of their consumer lending is the …

, a minimum ratio that represents best-practice lending given the volume and composition of a bank's loans, the average … ratio a bank would experience if it were fully efficient at credit-risk evaluation and loan monitoring, represents the … credit risk of their lending is the highest among the five groups. On the other hand, their inefficiency at lending is one of …

: first, a minimum ratio that represents best-practice lending given the volume and composition of a bank's loans, the average … nonperformance among the five groups. Moreover, the inherent credit risk of their lending is the highest among the five groups. On … nonperformance, adjusted for statistical noise, is decomposed into inherent credit risk and lending inefficiency, taking more …