Recent regulatory efforts aim at lowering the cyclicality of bank lending because of its potential detrimental effects … credit demand-side factors. The public mandate is set by local governments and stipulates a deviation from strict profit … percent less cyclical than other local banks. The result is credit supply-side driven and especially strong for savings banks …

minimum standard is unlikely to exhibit adverse consequences for credit supply and bank profitability. …

-based capital regulation significantly affected low capitalized banks. The impact depends on a bank's credit risk model, i …This paper examines how Basel III capital reforms affected bank lending in Ger- many. We focus on the increase of ….e. whether a bank applies the standardized approach (SA) or an internal ratings-based approach (IRBA) to determine risk weights …

We show that credit supply shocks have a strong impact on firm-level as well as aggregate investment by applying the … methodology developed by Amiti and Weinstein (2013) to a rich dataset of matched bank-firm loans in the Portuguese economy for the … growth rate of individual loans in our dataset is decomposed into bank, firm, industry and common shocks. Adverse bank shocks …

growth known from macroeconomics to identify credit booms and test our model for German bank and bankportfolio level data …Excessive credit creation by banks was at the root of the recent financial crisis. Nevertheless, micro … overoptimism causes excessive lending, subsequently yielding abnormal loan write-offs. We propose a new measure of excessive credit …

The US credit boom has been identified as one of the causes of the global financial crisis and the resulting debt … overhang is seen as the primary reason for the weak economic recovery. Most of the existing literature links the credit boom to … non-financial private sector had been originated by shadow banks. Consequently, dampening credit creation by the …

Using detailed data of all German banks, we find that banks which have suffered heavy credit losses reduce their … assumption of constant leverage. Weakly capitalized banks grant fewer new loans than other banks. We control for credit demand … using a new method, the construction of tailored hypothetical bank competitors. …

We construct a novel panel dataset on insider ownership for about 600 U.S. bank holding companies from 2003 to 2014 and …

deglobalization and market fragmentation. We examine the effects of a deglobalization shock on bank lending, firm internal capital … markets, and the real economy. Leveraging a unique dataset that combines a credit register with foreign direct investment (FDI …) data, we are able to observe both domestic and cross-border credit exposures of German banks as well as internal capital …