... a shortfall of capital relative to regulatory mandates) Bank regulation, capital and credit supply: Measuring the impact of prudential standards 7 capital ratios of UK banks. This ... match Bankscope records with regulatory returns. Bank regulation, capital and credit supply: Measuring the impact of prudential standards 9 In a review of the literature on the impact ... changes in capital requirements. Bank regulation, capital and credit supply: Measuring the impact of prudential standards 40 Lown, C., Morgan, D., (2006), The Credit Cycle and the Business...