power for economic growth and bank lending in the United States and the euro area than the spot IBOR-OIS, credit default … swap spreads or bank bond credit spreads …

We modify the Diamond and Dybvig (1983) model of banking to jointly study various regulations in the presence of credit … liability side. The endogenously determined asset portfolio and capital structure interact to support credit extension, as well …

exposed to aging counties increase the supply of credit while relaxing their lending standards. Exposed banks increase loan …

-in-differences strategy for a comparable sample of banks. We find that banks participating in the stress tests reallocate credit away from …

. This paper investigates whether diversification influences banks' investment (credit) policy and profitability. Diversified … banks appear to benefit from “coinsurance,” supply more credit, and seem more profitable. However, diversification does not … systematic risk and their credit supply is more sensitive to macroeconomic conditions, and monetary policy changes. Our study …

stressed expected loss (SEL). We simulate a market downturn as a negative shock on interest rate and credit market risk factors …