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The European banking industry joined forces to achieve a fully integrated market for retail payment services in the … relationship between retail payment business and overall bank performance. Using data from across 27 European markets over the … period 2000-07, we analyse whether the provisions of retail payment services are reflected in improved bank performance …
Persistent link: https://www.econbiz.de/10003969424
This paper uses survey data for 29,000 households from 29 transition economies to explore how the use of banking …
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Exploiting the introduction of the ECB's tiering system for remunerating excess reserve holdings, we document the importance of access to the money market for bank lending. We show that the two-tier system produced positive wealth effects for banks with excess reserves and encouraged a...
Persistent link: https://www.econbiz.de/10012822190
In this paper, we survey the nascent literature on the transmission of negative policy rates. We discuss the theory of how the transmission depends on bank balance sheets, and how this changes once policy rates become negative. We review the growing evidence that negative policy rates are...
Persistent link: https://www.econbiz.de/10012518247
We study the impact of increasingly negative central bank policy rates on banks' propensity to become undercapitalized in a financial crisis ('SRisk'). We find that the risk impact of negative rates is moderate, and depends on banks' business models: Banks with diversified income streams are...
Persistent link: https://www.econbiz.de/10011719935
We propose a novel observation-driven finite mixture model for the study of banking data. The model accommodates time …
Persistent link: https://www.econbiz.de/10011668141