profits of Spanish banks, in the period 1983-2003. We find that the growth in the stock of IT capital explains one third of … output growth of banks, and that an additional investment in IT of one million euros may be substituted for twenty ….22 for deposits and 0.11 for loans. For all the assets considered, the null hypothesis that banks use the profit …

This paper analyses the impact of loan market competition on the interest rates applied by euro area banks to loans and … bank interest rates, we likewise find that banks tend to price their loans more in accordance with the market in countries … heavier in the loan market than in the deposit markets, so that banks compensate for their reduction in loan market income by …

assets to complement the IT capital. The investment model is estimated using data from Spanish banks on assets of different …

. At the same time, we compare this aspect of Japanese corporate governance with the shareholdings of banks in the same … group of firms. Our results show that the equity investments of financial investors — institutional investors and banks — in … listed on the Tokyo and Osaka Stock Exchanges, with banks being the largest group of these financial investors. Further …

home country prudential supervisors and deposit insurance funding systems were stricter than the target‘s. For target banks … insurance funding regimes tend to result in positive post-merger changes in liquidity and performance …

acquiring banks value profitable, high-growth and low risk targets. We also find that the strength of bank regulation and … regimes and stronger deposit insurance schemes lower the takeover premiums paid by acquiring banks. This result, presumably in … supervision as well as deposit insurance regimes in Europe have measurable effects on takeover pricing. Stricter bank regulatory …

with a Value at Risk constraint. I also obtain closed form expressions for the interest rates that banks should set in …This paper analyses the risk and return of loans portfolios in a joint setting. I develop a model to obtain the … compensation for borrowers' credit risk under absence of arbitrage opportunities and I use these rates as a benchmark to interpret …