NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Do Depositors Monitor Banks?

Rajkamal Iyer, Manju Puri, Nicholas Ryan

NBER Working Paper No. 19050
Issued in May 2013

---- Acknowledgements -----

We are grateful to Mr. Gokul Parikh and the staff of the bank for all their help. We thank Nittai Bergman, Doug Diamond, Xavier Giroud, P.Iyer, Antoinette Schoar and Andrei Shleifer for their comments. We thank seminar, conference participants and discussants at ASSA meetings, San Diego, Corporate Finance Conference, Bristol, Duke University, European Central Bank, Indiana University, Riksbank, Tel Aviv Conference, Minnesota Conference, MIT and World Bank. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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