The banking sector in the United Kingdom (UK) was deeply affected by the crisis. Bank credit has collapsed reflecting … to improve access to finance united under the roof of the British Business Bank. Further structural reforms are needed to …

% for home-owning households and 40% for mortgage holders. Even though defaults have so far been limited, mortgage …

This paper presents a framework for estimating losses in the residential real estate mortgage portfolios of German …-trigger hypothesis of mortgage defaults. In order to analyse the possible credit losses stemming from residential mortgage lending we … then use the model to run a top-down stress test and simulate losses on the individual bank level for the years from 2018 …