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Public bank guarantees and allocative efficiency

Gropp, Reint; Güttler, André; Saadi, Vahid - 2015

In the wake of the recent financial crisis, many governments extended public guarantees to banks. We take advantage of a natural experiment, in which long-standing public guarantees were removed for a set of German banks following a lawsuit, to identify the real effects of these guarantees on...

Persistent link: https://www.econbiz.de/10011286412

Structural reforms in banking : the role of trading

Krahnen, Jan Pieter; Noth, Felix; Schüwer, Ulrich - 2016

separate “classical” commercial banking activities from securities trading activities, notably from proprietary trading. While … banking organizations. This kind of separation limits cross-subsidies between banking and proprietary trading and diminishes … contagion risk, while still allowing for synergies across banking, non-proprietary trading and proprietary trading. …

Persistent link: https://www.econbiz.de/10011445692

Bank response to higher capital requirements : evidence from a quasi-natural experiment

Gropp, Reint; Mosk, Thomas; Ongena, Steven; Wix, Carlo - 2016

We study the impact of higher capital requirements on banks' balance sheets and its transmission to the real economy. The 2011 EBA capital exercise provides an almost ideal quasi-natural experiment, which allows us to identify the effect of higher capital requirements using a...

Persistent link: https://www.econbiz.de/10011570578

Flight from safety : how a change to the deposit insurance limit affects households' portfolio allocation

Damar, H. Evren; Gropp, Reint; Mordel, Adi - 2019

We study how an increase to the deposit insurance limit affects households' portfolio allocation by exogenously reducing uninsured deposit balances. Using unique data that identifies insured versus uninsured deposits, along with detailed information on Canadian households' portfolio holdings, we...

Persistent link: https://www.econbiz.de/10012053466

What drives banks' geographic expansion? : the role of locally non-diversifiable risk

Gropp, Reint; Noth, Felix; Schüwer, Ulrich - 2019 - Second draft: August 28, 2019

We show that banks that are facing relatively high locally non-diversifiable risks in their home region expand more across states than banks that do not face such risks following branching deregulation in the United States during the 1990s and 2000s. Further, our evidence shows that these banks...

Persistent link: https://www.econbiz.de/10012057059

What drives banks' geographic expansion? : the role of locally non-diversifiable risk

Gropp, Reint; Noth, Felix; Schüwer, Ulrich - 2019

We show that banks that are facing relatively high locally non-diversifiable risks in their home region expand more across states than banks that do not face such risks following branching deregulation in the 1990s and 2000s. These banks with high locally non-diversifiable risks also benefit...

Persistent link: https://www.econbiz.de/10011981521

Banks' funding stress, lending supply and consumption expenditure

Damar, H. Evren; Gropp, Reint; Mordel, Adi - 2019

We employ a unique identification strategy linking survey data on household consumption expenditure to bank-level data to estimate the effects of bank funding stress on consumer credit and consumption expenditures. We show that households whose banks were more exposed to funding shocks report...

Persistent link: https://www.econbiz.de/10012012737

Channeling the iron ore super-cycle : the role of regional bank branch networks in emerging markets

Littke, Helge C. N. - 2018

The role of the financial system to absorb and to intermediate commodity boom induced windfall gains efficiently presents one of the most pressing issues for developing economies. Using an exogenous increase in iron ore prices in March 2005, I analyse the role of regional bank branch networks in...

Persistent link: https://www.econbiz.de/10011863971

Credit Growth and the Effectiveness of Reserve Requirements and Other Macroprudential Instruments in Latin America

International Monetary Fund (IMF); International … - 2012

Over the past decade policy makers in Latin America have adopted a number of macroprudential instruments to manage the procyclicality of bank credit dynamics to the private sector and contain systemic risk. Reserve requirements, in particular, have been actively employed. Despite their...

Persistent link: https://www.econbiz.de/10010878415

Real Estate Market Developments and Financal Sector Soundness

Hilbers, Paul Louis Ceriel; Zacho, Lisbeth; Lei, Qin - International Monetary Fund (IMF) - 2001

This paper analyses the characteristics and functioning of real estate markets. It focuses on the relationship between developments in these markets and the financial sector to determine under what circumstances real estate booms and busts can develop and how they can affect the health and...

Persistent link: https://www.econbiz.de/10005248144

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