This paper investigates whether city commercial banks' expansion can boost energy
efficiency to achieve regional carbon-neutral in China spanning the period from 2003 to …

Using data between 2009 and 2020, we provide a detailed description of the borrowers
within the Enterprise Finance Guarantee (EFG) loan portfolio, analyse time to default and …

This study explores the efficiency of US community banks and factors that affect it. We
present a slacks-based measure model for data envelopment analysis to analyze the …

I use new hand-collected data on banks' mobile apps to analyze how financial services
digitalization has changed traditional banking. I show that small community banks (SCBs) …

This study is the first to examine mergers and acquisitions among small, regional
stakeholder banks that belong to the same group. Using data on Finnish unlisted …

Finance textbooks treat banks as homogenous institutions. Intuition suggests that small
businesses should interact with large banks, given the latter's ability to diversify risk. Large …

Recent research indicates a substantial decline in the number of local banks over the past
40 years. This decline has been particularly stark in rural areas, though it extends across the …

This paper presents methods to estimate the probability of default (PD), a crucial parameter
in bank credit risk management, rating estimation and loan pricing. Based on a sample of …

In this article we consider the effects of the inclusion of spatial dependence in the empirical
model measuring small cooperative banks' risk performance. In the presence of cross …

The conventional view suggests that bank profits and interest rates are expected to move
together. When interest rates increase, banks make more money on loans and other assets …