. Such levels pose a specific challenge to banks which are heavily dependent on interest income, as is the case for most … German banks earning a cost of capital of 8% by the end of this decade. This decline is somewhat alleviated by the fact that …

profit margin provide incremental information for predicting changes in future return on assets. After controlling for … system) into profitability forecasts. Last, the paper adds to the literature on how capital market participants perceive …Prior literature documents the usefulness of the DuPont disaggregation for predicting firms future profitability …

profitability of German banks and their capacity to lend. With a NSFR-model that is partially calibrated against reported NSFRs, we … their Return on Assets dropping once by moderate 10 bps. Our conclusion is that an introduction of the NSFR (2014) as … minimum standard is unlikely to exhibit adverse consequences for credit supply and bank profitability. …

according to income levels and gender. This paper is based on the National Household Sample Survey (PNAD) carried out by the … (MAs) in the country, than the in the other MAs. Second, workers in the poorest population segment (1st income decile … times. However, these worsening conditions have been more pronounced in the 1st income decile and especially the 7th-10th …