What could be bank depositors' perception towards the existence of non-performing loans of the concerned bank ? Could you please share relevant papers with me ?
Hasan, I., K. Jackowicz, and O. Kowalewski. (2013). Market discipline during crisis: Evidence from bank depositors in transition countries, Journal of Banking and Finance, 37 (12), pp. 5436-5451.
Monschean, T. and T. Opiela. (1999). Bank time deposit rates and market discipline in Poland: The impact of state ownership and deposit insurance reform, Journal of Financial Services Research, 15 (3), pp. 179-196.