German savers are renowned for preferring safe, long-term investments, thus providing patient capital, with bank … heterogeneity depending on banks' governance structures. The announcement of a state guarantee for bank deposits following the …

In this paper we relate a bank’s choice between retail and wholesale liabilities to real economic uncertainty and the … resulting volatility of bank loan volumes. We argue that since the volume of retail deposits is slow and costly to adjust to … shocks in the volume of bank assets, banks facing more intense uncertainty and more volatile loan demand tend to employ more …

Using granular data of German banks for the 2003 to 2018 period, we analyse the determinants of bank rates on retail … deposits. We find that a bank's rate on sight deposits is especially low if the bank operates in rural districts, if it is not … exposed to strong competition and if it provides much service. Regarding the rates on term deposits, we find that the bank …

Exploiting confidential data on individual German bank balance-sheets, I analyse what characterises a bank that opts to …

We employ proprietary data from a large bank to analyze how – in times of crisis – depositors react to a bank … nationalization, re-privatization and an accompanying increase in deposit insurance. Nationalization slows depositors fleeing the bank …

We analyze a large merger in the Dutch banking market during the financial crisis using disaggregated data. Based on a … merger simulation model, we evaluate merger-induced changes in the interest rates for savings accounts. We find that the …

find such effects for bank connections to acquirer advisors or for trades in acquirer stocks. Target advisors benefit from …

assumptions, e.g. connectivity, contagion channel and the merger process, on different static and dynamic stability measures. We … systems. Our main finding is that merger activities can stabilize or destabilize the modelled financial network, depending on … various details such as the connectivity of the network and the assumed merger process. Merger activities can increase …

bank's net interest margin, where this shock consists not only of a level shift, but also of a change in the steepness of … the term structure. Our simplified model can replicate stylized features of different bank business models.The outcome of … our parsimonious model for a bank's interest business is broadly in line with the results of a quantitative survey among …