Aleksandra Riedl

The Integrated Firm-Level Database (IFLD) combines administrative and supervisory data on Austrian firms into a unified microdata infrastructure. Its key innovation is that it links previously fragmented information on firm characteristics, financial statements, bank lending, ownership and ...

Using harmonized household data from 18 European countries, this paper studies what triggers mortgage default. We distinguish between liquidity stress, negative equity, and the double trigger, where both occur simultaneously. We find that all three increase default risk, but the double trigger ...

In Austria, insolvencies are usually tracked by simply counting the number of firms going insolvent. This study shows that such absolute counts offer only limited insight. Using weighted insolvency rates, we analyze insolvency patterns in Austria between 2019 and 2024. We find that insolvencies ...

Aggregate data highlight the significant role of bank loans in financing Austrian nonfinancial companies, with bank lending playing a more prominent role than in other euro area countries. However, until now, there has been no detailed analysis of the prevalence of bank loans at the firm level ...