17 (1), pp. 1-23; Kapan, T. and Minoiu, C. (2013), “Balance sheet strength and bank lending during the global financial crisis”, Discussion Papers, No 33, Deutsche Bundesbank; and Osborne, M., Fuertes, A.M. and Milne, A. (2017), “In good times and in bad: Bank capital ratios and lending rates”, International Review of Financial Analysis, Vol. 51, May, pp. 102–112.
2 See Jiménez, G., Ongena, S., Peydró, J.-L. and Saurina, J. (2014), “Hazardous Times for Monetary Policy: What  Do Twenty-Three Million Bank Loans Say About the Effects of Monetary Policy on Credit Risk-Taking?”, Econometrica, Vol. 82(2), March, pp. 463–505.