The fallout of the Global Financial Crisis demonstrated the importance of bank liquidity
creation (LC) for the economies. This study attempts to analyze the implications of LC for …

Using loan‐level data from Germany, we investigate how the introduction of model‐based
capital regulation affected banks' ability to absorb shocks. The objective of this regulation …

What is the relationship between bank capital, the risk of a financial crisis, and its severity?
This article introduces the first comprehensive analysis of the long-run evolution of the …

The average distance of US banks from their small corporate borrowers increased before
the global financial crisis, especially for banks in competitive counties. Small distant loans …

What are the implications of information technology (IT) in banking for financial stability?
Data on US banks' IT equipment and the background of their executives reveals that higher …

Motivated by the world-wide surge of FinTech lending, we analyze the implications of
lenders' information technology adoption for financial stability. We estimate bank-level …

Banks' ratio of the market value to book value of their equity was close to 1 until the 1990s,
then more than doubled during the 1996–2007 period, and fell again to values close to 1 …

Purpose The purpose of this paper is to investigate how bank-specific factors affect the
riskiness of conventional and Islamic banks in response to shocks in major financial indices …

We use complaints filed with the Consumer Financial Protection Bureau (CFPB) to study the
interplay between social norms and the effectiveness of consumer protection laws. We find …

Since 2022, EU banks have been enjoying historically high profits. The profits are mostly
driven by the delayed pass-through of the rapid monetary policy tightening to deposit rates …