Published Journal of Money, Credit and Banking Online 10 Oct 2025 Published Sep 2026Loan Evergreening through Banks' Lenses: Evidence from Credit Product-Level DataCecilia Dassatti · Rodrigo Lluberas · Francesc Rodriguez-TousResearch question and motivation. Banks reluctant to recognize losses on troubled borrowers engage in "loan evergreening"—rolling over or extending credit to delay loss recognition.