US Bank Behavior (Barajas et alli)

Arthur Garbayo indicated the article, U.S. bank behavior in the wake of 2007-2009 financial crisis, by Adolfo Barajas, Ralph Chami, Thomas F. Cosimano and Dalia Hakura. The paper examines the slowdown of lending by large U.S. banks over the period of analyse. The main conclusion was that, indeed, capital rather than liquidity was the primary constraint holding back these institutions’ ability to expand their operations. see: http://www.imf.org/external/pubs/ft/wp/2010/wp10131.pdf