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Fig 1.

Concave loan demand function.

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Fig 1 Expand

Fig 2.

Piecewise loan demand function.

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Fig 2 Expand

Table 1.

Descriptive statistics.

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Table 1 Expand

Table 2.

Correlation matrix.

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Table 2 Expand

Fig 3.

Individual bank time series values of Z-score.

Vertical line at 2008 Q3. Source of data: Orbis BankFocus and Thomson Reuters DataStream.

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Fig 3 Expand

Fig 4.

U.S. short-term treasury bill rate.

Solid vertical line at 2008 Q3, dashed vertical line at 2007 Q2, Source of data: Orbis BankFocus and Thomson Reuters DataStream.

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Fig 4 Expand

Table 3.

Short-term interest rate and bank risk-taking: Arellano-Bond dynamic panel GMM estimators.

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Table 3 Expand

Table 4.

Arellano-Bond dynamic panel model with dummy variables.

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Table 4 Expand

Table 5.

Arellano-Bond dynamic panel model with other proxies of main variables.

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Table 5 Expand