---
title: Bank Credit Lines
url: https://www.ml-quant.com/papers/ssrn/4979396/
site: ML-Quant (https://www.ml-quant.com)
updated: 2026-09-26
license: Summaries CC BY 4.0; links go to the original sources
index: https://www.ml-quant.com/llms.txt
identifier: SSRN 4979396
source_url: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4979396
featured: 2024-10-09
citations: unknown
topic: Risk, Credit & Banking
---


# Bank Credit Lines

The research contradicts previous theories, stating that non-retail funding, particularly wholesale funding, significantly drives banks' contingent commitments, not traditional retail deposits.

- Source: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4979396
- Identifier: SSRN 4979396
- Released: 2024-10-07
- First featured: Quant Letter No. 69 (2024-10-09): https://www.ml-quant.com/issues/2024-10-09/
- Citations (Semantic Scholar): not tracked
- Published in: not yet
- Topic: Risk, Credit & Banking

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