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The fallout from the 2008 financial crisis has been particularly acute in the euro area Member States of the south-western rim and in the new EU Member States, due to their previously accumulated macroeconomic and financial imbalances. The perception that the euro environment provided a solid...
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This article presents a critical analysis of the principles behind the scope and forms of cooperation between EU Member States and third-country resolution authorities in the context of the 2014 Bank Recovery and Resolution Directive. The article also explores the future responsibilities of the...
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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 …
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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 …
Persistent link: https://www.econbiz.de/10005022279
Since the late eighties, the Spanish banking system has been undergoing major changes that have affected both its structure and the nature of strategic interaction among banking institutions. Various different strategies have been adopted to tackle the demands of this new operating environment,...
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This paper analyses the cyclical behaviour of bank credit, loan losses and provisions for loan losses in Spain. These three variables are strongly cyclical in Spain -as in many other countries- and this poses some problems to bank supervisors and regulators. In a context of strong competitive...
Persistent link: https://www.econbiz.de/10005155309