, Bosnia and Herzegovina, Kosovo, Montenegro, North Macedonia, Serbia and Turkey. The paper mainly focuses on the period since …. High unofficial euroisation is a source of indirect credit risk for countries with their own national legal tender, which … shock-absorbing capacity in the Western Balkans, as exemplified by robust capital and liquidity buffers. Turkey experienced …

) variables’ impact on bank lending behavior in Turkey using quarterly bank level data of 15 private commercial banks and 3 state …This paper studies the bank-level (size and access to funds) and market-based (interest rate, inflation rate, GDP …