The aim of this study is to understand the bank lending behavior during financial crisis. in particular whether an increase of credit risk during this period can lead banks to reduce their lending activity. A second object is to investigate whether cooperative and commercial banks show different behaviors. The analysis is based on a sample of Italian banks (listed and no listed). https://www.nacrack.com/great-pick-Refurbished-Sawgrass-Virtuoso-SG500-Complete-Sublijet-Sublimation-Printer-Kit-flash-buy/