ORCID
Filip Świtała: 0000-0002-8046-5240
Keywords
monetary policy, bank lending channel, banking system
Abstract
This paper examines how individual bank characteristics influence the transmission of monetary policy through the bank lending channel. Using panel data and a Fixed Effects model validated by the Hausman test, the author analyses how bank size, capitalization, profitability and asset quality affect responses to monetary tightening. The study highlights the importance of inter-bank differences in shaping monetary policy effectiveness and offers insights for regulatory frameworks and macroprudential policies aimed at strengthening financial stability.
Acknowledgments
Funding
The research received no funds.
Declaration of Conflicting Interests
The author declared no potential conflicts of interest with respect to the research, authorship, and publication of the article.
Declaration about the scope of AI utilization
The authors did not use an AI tool in the preparation of the article.
Recommended Citation
Świtała, F. (2025). Exploring the Bank Lending Channel: How Bank Characteristics Shape Monetary Policy Effectiveness. Journal of Banking and Financial Economics, 2025(2), 76-93. https://doi.org/10.7172/2353-6845.jbfe.2025.2.5
First Page
76
Last Page
93
Page Count
18
Received Date
22.08.2025
Revised Date
13.10.2025
Accept Date
14.10.2025
Online Available Date
14.11.2025
DOI
10.7172/2353-6845.jbfe.2025.2.5
JEL Code
E52, E58, G21, C23
Publisher
University of Warsaw
