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What types of banks profit most from fees charged? A cross-country examination of bank-specific and country-level determinants

Tennant, David; Sutherland, Richard - In: Journal of Banking & Finance 49 (2014) C, pp. 178-190

The perception that banks are exploiting customers through their fee-charging practices in a bid to maximize profits, has fuelled widespread public interest in identifying the banks that profit most heavily from fees. Using hierarchical cross-country regression analyses, this paper seeks to...

Persistent link: https://www.econbiz.de/10011118079

Financial freedom and bank efficiency: Evidence from the European Union

Chortareas, Georgios E.; Girardone, Claudia; Ventouri, … - In: Journal of Banking & Finance 37 (2013) 4, pp. 1223-1231

This paper investigates the dynamics between the financial freedom counterparts of the economic freedom index drawn from the Heritage Foundation database and bank efficiency levels. We rely on a large sample of commercial banks operating in the 27 European Union member states over the 2000s....

Persistent link: https://www.econbiz.de/10010741768

Systemically important banks and financial stability: The case of Latin America

Tabak, Benjamin M.; Fazio, Dimas M.; Cajueiro, Daniel O. - In: Journal of Banking & Finance 37 (2013) 10, pp. 3855-3866

This paper addresses the issue on how bank size and market concentration affect performance and risks in 17 Latin American countries between 2001 and 2008. The objective is to evaluate whether a too-big-to-fail behavior has been present in the region. Surprisingly, we do not find evidence to...

Persistent link: https://www.econbiz.de/10010738290

Does market structure matter on banks’ profitability and stability? Emerging vs. advanced economies

Mirzaei, Ali; Moore, Tomoe; Liu, Guy - In: Journal of Banking & Finance 37 (2013) 8, pp. 2920-2937

We empirically investigate the effects of market structure on profitability and stability for 1929 banks in 40 emerging …-market-power (RMP) hypotheses. We observe that a greater market share leads to higher bank profitability being biased toward the RMP … hypothesis in advanced economies, yet neither of the hypotheses is supported for profitability in emerging economies. The SCP …

Persistent link: https://www.econbiz.de/10010679254

Competition in fragmented markets: New evidence from the German banking industry in the light of the subprime crisis

Moch, Nils - In: Journal of Banking & Finance 37 (2013) 8, pp. 2908-2919

Of all of the EU member states, Germany has the largest banking market. However, not all German banking institutions necessarily face fierce competition. Because the industry is highly fragmented, strict separation of the three existing banking pillars may impede competition, with negative...

Persistent link: https://www.econbiz.de/10010679279

Foreign bank entry, credit allocation and lending rates in emerging markets: Empirical evidence from Poland

Degryse, Hans; Havrylchyk, Olena; Jurzyk, Emilia; … - In: Journal of Banking & Finance 36 (2012) 11, pp. 2949-2959

Earlier studies have documented that foreign banks charge lower lending rates and interest spreads than domestic banks. We hypothesize that this may stem from the superior efficiency of foreign entrants that they decide to pass onto borrowers (“performance hypothesis”), but could also...

Persistent link: https://www.econbiz.de/10011065657

Valuation and systemic risk consequences of bank opacity

Jones, Jeffrey S.; Lee, Wayne Y.; Yeager, Timothy J. - In: Journal of Banking & Finance 37 (2013) 3, pp. 693-706

transparent assets, and taking profitability into account, have larger valuation discounts relative to transparent assets. The …

Persistent link: https://www.econbiz.de/10010608685

Does a leverage ratio requirement increase bank stability?

Kiema, Ilkka; Jokivuolle, Esa - In: Journal of Banking & Finance 39 (2014) C, pp. 240-254

Basel III has introduced a non-risk-weighted leverage ratio requirement (LRR) which complements the internal ratings based (IRB) capital requirements. It provides a backstop against model risk which arises if some loans get incorrectly rated and become toxic. We study the effects of the LRR on...

Persistent link: https://www.econbiz.de/10010730421

The light and dark side of TARP

Farruggio, Christian; Michalak, Tobias C.; Uhde, Andre - In: Journal of Banking & Finance 37 (2013) 7, pp. 2586-2604

This paper empirically investigates the impact of the first announcement of TARP, the announcement of revised TARP, respective capital infusions under TARP–CPP and capital repayments on changes in shareholder value and the risk exposure of supported US banks. Our analysis reveals a light and a...

Persistent link: https://www.econbiz.de/10010666272

The impacts of Gramm–Leach–Bliley bank diversification on value and risk

Filson, Darren; Olfati, Saman - In: Journal of Banking & Finance 41 (2014) C, pp. 209-221

Combined abnormal returns from U.S. bank holding company acquisitions during 2001–2011 suggest that diversification into investment banking, securities brokerage and insurance under the Gramm–Leach–Bliley Act of 1999 creates value. Exceptional returns depend on contributing factors; the...

Persistent link: https://www.econbiz.de/10010744375

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