International Banking Library

Author(s):Sergio A. Correia, Stephan Luck & Emil Verner Date:October, 2025 Abstract: This paper studies the role of banking supervision in anticipating, monitoring, and disciplining failing banks. We document that supervisors anticipate most bank failures with a high degree of accuracy. Supervisors play an important role in requiring troubled banks to recognize losses, taking enforcement actions,[…]

Author(s):Matthew Baron, Luc Laeven, Julien Pénasse & Yevhenii Usenko Date:September, 2025 Abstract: We study the mechanisms driving bank losses across historical banking crises in 46 economies and the effectiveness of policy interventions in restoring bank capitalization. We find that bank stocks experience large, permanent declines at the onset of crises. These losses predict commensurate long-term[…]

Author(s):Daniel Dias, Tim Schmidt-Eisenlohr Date:August, 2025 Abstract: We estimate the uninsured deposit premium – the difference between the rates paid on uninsured versus insured deposits – by linking observed average deposit rates to an estimated share of uninsured deposits. Using U.S. bank data from 1991 to 2025, we show that the average uninsured deposit premium[…]

Author(s):Angelos Athanasopoulos, Nicolò Fraccaroli, Andreas Kern & Davide Romelli Date:July 25, 2025 Abstract: This paper studies the impact of central bank independence on sovereign borrowing, using an index that captures institutional constraints on central bank lending to the government across 155 countries from 1972 to 2023. The findings show that tighter lending to the executive[…]

Author(s): Iñaki Aldasoro, Sebastian Doerr and Karamfil Todorov Date:July 9, 2025 Key Takeaways: Link:BIS Bulletin No 106: Retail investors in private credit