exposed to strong competition and if it provides much service. Regarding the rates on term deposits, we find that the bank …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 …

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 …

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 …

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

degree of centralisation. Whereas no such bank exists in the UK any longer and real savings banks in Spain have almost …This paper re-visits the state of decentralised banking in Germany, Spain and the UK. The cross-country comparison we … conducted has identified Germany as having the most decentralised banking system, followed by Spain and the UK, as expected. The …

This study investigates the bank competition-stability nexus using a unique regulatory dataset provided by the Deutsche … competition, contestability and market power, each corresponding to a different contextual level of a bank's competitive … theoretical properties of the indicators for market power and competition. Using the Lerner Index as a proxy for bank …

competition. Here, we employ a novel approach to account for IRS that are both unexpected and effective for a bank’s business … theory that monopolistic firms undersupply the market when utilizing their high pricing power in the bank competition …–liquidity creation nexus. While positive IRS per se lead to an increase in bank liquidity creation, we find that a high bank …

for or a complement to bank loans? In this study we answer these questions by comparing P2P lending with the …

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 …