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Competition and bank risk: the effect of securitization and bank capital

Marqués-Ibáñez, David; Altunbas, Yener; van … - European Central Bank - 2014

augmented the effect of competition on realised bank risk (i.e. more intense competition and greater use of securitisation is … impact of competition on realised risk. It follows that cooperation between supervisory and competition authorities is …

Persistent link: https://www.econbiz.de/10011067249

Bank mergers, competition and liquidity

Carletti, Elena; Hartmann, Philipp; Spagnolo, Giancarlo - European Central Bank - 2003

JEL Classification: D43, G21, G28, L13

Persistent link: https://www.econbiz.de/10005222334

How does competition affect efficiency and soundness in banking? New empirical evidence

Schaeck, Klaus; Čihák, Martin - European Central Bank - 2008

A growing body of literature indicates that competition increases bank soundness. Applying an industrial organization … bank soundness. We find evidence that competition robustly increases bank soundness, via the efficiency channel. JEL … role in the transmission from competition to soundness. We use a two-pronged approach. First, we employ Granger causality …

Persistent link: https://www.econbiz.de/10005344858

Competition and stability: what's special about banking?

Carletti, Elena; Hartmann, Philipp - European Central Bank - 2002

This paper examines the relationship between competition policies and policies to preserve stability in the banking … considerations for payment systems. A core part of the paper is an analysis of the relative roles of competition and supervisory … authorities in the review of bank mergers for the G-7 industrialised countries. A wide variety of approaches emerges, with some …

Persistent link: https://www.econbiz.de/10005344959

Housing Finance in the Euro Area.

Drudi, Francesco; Köhler-Ulbrich, Petra; Protopapa, Marco - European Central Bank - 2009

This report analyses the main developments in housing finance in the euro area in the decade, covering the period from 1999 to 2007. It looks at mortgage indebtedness, various characteristics of loans for house purchase, the funding of such loans and the spreads between the interest rates on...

Persistent link: https://www.econbiz.de/10004969142

Payment scale economies, competition, and pricing

Humphrey, David - European Central Bank - 2009

. Existing differences in bank prices (EC report) are associated with small differences in competition. JEL Classification: E41 …Payment scale economies affect banking costs, competition in payment services, and pricing. Our scale measure relates … are primarily due to mix, not scale. Also, since standard indicators of competition can give inconsistent results, a …

Persistent link: https://www.econbiz.de/10008513270

Financial market integration and loan competition: when is entry deregulation socially beneficial?

Kaas, Leo - European Central Bank - 2004

The paper analyzes how the removal of barriers to entry in banking affect loan competition, bank stability and economic … welfare. We consider a model of spatial loan competition where a market that is served by less efficient banks is opened to … internalize only the private but not the public benefits of their better credit assessments. Only when bank failure is very likely …

Persistent link: https://www.econbiz.de/10005530741

Interbank market integration, loan rates, and firm leverage

Ongena, Steven; Popov, Alexander - European Central Bank - 2010

We study the effect of interbank market integration on small firm finance in the build-up to the 2007-2008 financial crisis. We use a comprehensive data set that contains contract terms on individual loans to 6,047 firms across 14 European countries between 1998:01 and 2005:12. We account for...

Persistent link: https://www.econbiz.de/10008678675

Bank risk during the financial crisis: do business models matter?

Altunbas, Yener; Marqués-Ibáñez, David; Manganelli, … - European Central Bank - 2011

We exploit the 2007-2009 financial crisis to analyze how risk relates to bank business models. Institutions with higher …. Business models related to significantly reduced bank risk were characterized by a strong deposit base and greater income …

Persistent link: https://www.econbiz.de/10009367473

Does monetary policy affect bank risk-taking?

Altunbas, Yener; Gambacorta, Leonardo; … - European Central Bank - 2010

This paper investigates the relationship between short-term interest rates and bank risk. Using a unique database that …

Persistent link: https://www.econbiz.de/10008541295