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Social costs of POS payments in the Netherlands 2002-2012: Efficiency gains from increased debit card usage

Jonker, Nicole - de Nederlandsche Bank - 2013

The overall costs of the payment system to society are considerable. These costs depend on the relative usage of the available payment instruments, which differ in the costs that each entails to market participants in the payment chain. In the Netherlands, debit card payments have become less...

Persistent link: https://www.econbiz.de/10010945593

Efficiency and Cost Differences across Countries in a Unified EuropeanBanking Market

Bikker, J.A. - de Nederlandsche Bank - 2003

This paper seeks to discover the level and spread of bank efficiency in the EU, which in the light of the current and … market segments), various banking categories and over time. Two related but diverging dimensions of efficiency are considered …: X-efficiency, measuring managerial ability, and cost level differences, reflecting national economic and institutional …

Persistent link: https://www.econbiz.de/10005021892

An international scorecard for measuring bank performance: The case of Dutch banks

Bos, J.W.B.; Draulans, J.A.J.; Kommer, D. van den; … - de Nederlandsche Bank - 2006

criteria: (i) profitability; (ii) risk; (iii) market power, and (iv) efficiency. We use this scorecard to compare the …

Persistent link: https://www.econbiz.de/10010562428

Size and support ratings of US banks

Poghosyan, Tigran; Werger, Charlotte; Haan, Jakob de - de Nederlandsche Bank - 2014

We examine whether Fitch support ratings of US banks depend on bank size. Using quarterly data for the period 2004:Q4 to 2012:Q4 and controlling for several factors that make large and small banks different, we find that bank size is positively related to support ratings. However, the effect is...

Persistent link: https://www.econbiz.de/10010885311

Reforming the architecture of EMU: Ensuring stability in Europe

Haan, Jakob de; Hessel, Jeroen; Gilbert, Niels - de Nederlandsche Bank - 2014

This paper analyses the reforms in the architecture of EMU since the eruption of the euro crisis in 2010. We describe major weaknesses in the original set-up of EMU, such as lack of fiscal discipline, diverging financial cycles and competitiveness positions, and a lack of crisis instruments....

Persistent link: https://www.econbiz.de/10010945595

Systemic risk and bank business models

Oordt, Maarten van; Zhou, Chen - de Nederlandsche Bank - 2014

In this study we disentangle two dimensions of banks' systemic risk: the level of bank tail risk and the linkage between a bank's tail risk and severe shocks in the financial system. We employ a measure of the systemic risk of financial institutions that can be decomposed into two subcomponents...

Persistent link: https://www.econbiz.de/10010945596

Loan loss provisioning, bank credit and the real economy

Pool, Sebastiaan; Haan, Leo de; Jacobs, Jan - de Nederlandsche Bank - 2014

This paper examines how credit risk affects bank lending and the business cycle. We estimate a panel Vector Autoregression model for an unbalanced sample of 12 OECD countries over the past two to three decades, consisting of the output gap, inflation, the short-term interest rate, bank lending,...

Persistent link: https://www.econbiz.de/10010945599

When arm's length is too far. Relationship banking over the business cycle

Beck, Thorsten; Degryse, Hans; Haas, Ralph de; Horen, … - de Nederlandsche Bank - 2014

Using a novel way to identify relationship and transaction banks, we study how banks' lending techniques affect funding to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of firms to these firms' credit constraints at two...

Persistent link: https://www.econbiz.de/10010945600

Effect of bank capital requirements on economic growth: a survey

Martynova, Natalya - de Nederlandsche Bank - 2015

This paper reviews studies exploring how higher bank capital requirements affect economic growth. There is little evidence of a direct effect; research focuses on the indirect effects of capital requirements on credit supply, bank asset risk, and cost of bank capital, which in turn can affect...

Persistent link: https://www.econbiz.de/10011213677

Does a public campaign influence debit card usage? Evidence from the Netherlands

Jonker, Nicole; Plooij, Mirjam; Verburg, Johan - de Nederlandsche Bank - 2015

Do consumers change their payment behaviour after being exposed to a public campaign that encourages them to use their debit cards more often? We analyse the impact of such a campaign that started in 2007, using weekly debit card transaction data between 2005 and 2013. The overall results show...

Persistent link: https://www.econbiz.de/10011262931

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