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Demographic change and bank profitability : empirical evidence from German savings banks
Berlemann, Michael; Oestmann, Marco; Thum, Marcel - 2010
Persistent link: https://www.econbiz.de/10008906334
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Demographic change and bank profitability : empirical evidence from German savings banks
Berlemann, Michael; Oestmann, Marco; Thum, Marcel - 2010
Most European economies will experience significant demographic changes in the decades ahead. Due to low birth rates, populations are shrinking and ageing at the same time. This paper explores the impact of demographic change on the banking industry. A unique data set, which contains detailed...
Persistent link: https://www.econbiz.de/10003925219
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Electoral cycles in savings bank lending
Englmaier, Florian; Stowasser, Till - 2013
We provide evidence that German savings banks - where local politicians are by law involved in their management - systematically adjust lending policies in response to local electoral cycles. The different timing of county elections across states and the existence of a control group of...
Persistent link: https://www.econbiz.de/10010126401
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The German Local Population Database (GPOP), 1871 to 2019
Rösel, Felix - 2022
I present the first database of historical local population figures for all Germany. The German Local Population …-collected and assembled from more than 50 sources. The data reflect 150 years of regional development and disparities in Germany …. For example, East and West Germany are heavily diverging in population since 1945; and the divide was not reversed but …
Persistent link: https://www.econbiz.de/10013287977
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Explaining fluctuations in the thrift savings fund daily balance at U.S. treasury
Skidmore, Mark; Alvayay Torrejón, Camila; Pare, David - 2021
In this paper we document and examine unusual fluctuations in the G-Fund, which is one of five funds available in a voluntary federal government employee retirement savings vehicle called the Thrift Savings Plan. The G-Fund is managed as "internally" held debt by the United States Department of...
Persistent link: https://www.econbiz.de/10012514922
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Do better capitalized banks lend less? : long-run panel evidence from Germany
Buch, Claudia M.; Prieto, Esteban - 2012
Insufficient capital buffers of banks have been identified as one main cause for the large systemic effects of the recent financial crisis. Although higher capital is no panacea, it yet features prominently in proposals for regulatory reform. But how do increased capital requirements affect...
Persistent link: https://www.econbiz.de/10009570042
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Taxing banks : an evaluation of the German bank levy
Buch, Claudia M.; Hilberg, Björn; Tonzer, Lena - 2014
Bank distress can have severe negative consequences for the stability of the financial system, the real economy, and public finances. Regimes for restructuring and restoring banks financed by bank levies and fiscal backstops seek to reduce these costs. Bank levies attempt to internalize systemic...
Persistent link: https://www.econbiz.de/10010257339
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Incentive pay and bank risk-taking : evidence from Austrian, German, and Swiss banks
Efing, Matthias; Hau, Harald; Kampkötter, Patrick; … - 2014
We use payroll data on 1.2 million bank employee years in the Austrian, German, and Swiss banking sector to identify incentive pay in the critical banking segments of treasury/capital market management and investment banking for 66 banks. We document an economically significant correlation of...
Persistent link: https://www.econbiz.de/10010412865
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Are bigger banks better? : firm-level evidence from Germany
Huber, Kilian - 2020
quasi-exogenous increases in bank size in postwar Germany. I show that firms did not grow faster after their relationship …
Persistent link: https://www.econbiz.de/10012383736
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The good, the bad, and the ugly : impact of negative interest rates and QE on the profitability and risk-taking of 1600 German banks
Urbschat, Florian - 2018
The recent negative interest rate policy (NIRP) and quantitative easing (QE) programme by the ECB have raised concerns about the pass-through of monetary policy. On the one hand, negative rates could lead to declining bank profitability making an expansionary monetary policy contractionary....
Persistent link: https://www.econbiz.de/10011933740