investments of banks at the security level for 2005-2012 in conjunction with the credit register from Germany. Analyzing data at … increase their overall investments in securities, especially in those that had a larger price drop. The quantitative effects …

Our analysis finds that despite the growing number, the majority of savings banks currently do not make any payouts …. Furthermore, savings banks distribute only a small part of their net profit to the shareholders. This means that they can still … build up capital even if they make payouts. Savings banks also hold significantly more capital than is called for by the …

-sectional heterogeneity to establish a direct link between labor market reforms and changes in net foreign assets via a precautionary savings …

study how cash in hand influences decisions in a different but very important domain: savings. Savings accounts are a … promising tool for reducing poverty, but the use of savings accounts is often puzzlingly low. Holding on to cash that needs to … be physically deposited into a savings account may increase the psychological costs of saving. This study experimentally …