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Softening competition by enhancing entry : an example from the banking industry
Bouckaert, Jan; Degryse, Hans - 2002
We show that competing firms relax overall competition by lowering future barriers to entry. We illustrate our findings …-period profits. This dampens competition for serving the first-period market. …
Persistent link: https://www.econbiz.de/10011541031
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The Impact of Competition on Bank Orientation
Degryse, Hans; Ongena, Steven - 2006
How do banks react to increased competition? Recent banking theory offers conflicting predictions about the impact of … competition on bank orientation - i.e., the choice of relationship based versus transactional banking. We empirically investigate … the impact of interbank competition on bank branch orientation. We employ a unique data set containing detailed …
Persistent link: https://www.econbiz.de/10014055846
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On the Capital Structure of Liability Driven Businesses : The Case of Insurance
Van Hulle, Cynthia - 2017
Providing risk-sharing benefits to risk-averse policy holders is a primary function of insurance companies. We model that policy holders are paying a fee over the present value of indemnifications (i.e., technical provisions) to enjoy these risk-sharing benefits. Although the traditional...
Persistent link: https://www.econbiz.de/10012962847
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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
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Foreign Bank Entry and Credit Allocation in Emerging Markets
Degryse, Hans; Havrylchyk, O.; Jurzyk, E.; Kozak, S. - Tilburg University, Center for Economic Research - 2009
We employ a unique data set containing bank-specific information to explore how foreign bank entry determines credit allocation in emerging markets. We investigate the impact of the mode of foreign entry (greenfield or takeover) on banks’ portfolio allocation to borrowers with different...
Persistent link: https://www.econbiz.de/10011091073
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Staying, dropping, or switching : the impacts of bank mergers on small firms
Degryse, Hans; Masschelein, Nancy; Mitchell, Janet - Nationale Bank van België/Banque national de Belqique (BNB) - 2009
Assessing the impacts of bank mergers on small firms requires separating borrowers with single versus multiple banking relationships and distinguishing the three alternatives of "staying," "dropping," and "switching" of relationship. Single-relationship borrowers who "switch" to another bank...
Persistent link: https://www.econbiz.de/10008479376
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Lending technology, bank organization and competition
Degryse, Hans; Ongena, Steven; Tümer-Alkan, Günseli - In: Journal of Financial Transformation 26 (2009), pp. 24-30
environment. We draw important policy conclusions from the literature. Competition authorities and supervisors have to remain … lead to more intense banking competition, and (2) the impact of technological and financial innovation on financial …
Persistent link: https://www.econbiz.de/10008459962
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The Effect of Foreign Bank Entry on the Cost of Credit in Transition Economies. Which Borrowers Benefit the Most?
Degryse, Hans; Havrylchyk, Olena; Jurzyk, Emilia; … - Centre d'études prospectives et d'informations … - 2008
We employ a unique dataset to study the impact of foreign bank ownership and mode of entry on banks’ lending rates to transparent and opaque borrowers. We find that greenfield banks charge lower lending rates on average and we test for two hypotheses that can explain the lower cost of credit...
Persistent link: https://www.econbiz.de/10005062833
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Staying, dropping, or switching: the impacts of bank mergers on small firms
Degryse, Hans; Masschelein, Nancy; Mitchell, Janet - 2009
Assessing the impacts of bank mergers on small firms requires separating borrowers with single versus multiple banking relationships and distinguishing the three alternatives of "staying," "dropping," and "switching" of relationship. Single-relationship borrowers who "switch" to another bank...
Persistent link: https://www.econbiz.de/10011506699
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Sharing the Burden Equally? Intra-Group Effects of Bank Capital Requirements
Degryse, Hans; Mariathasan, Mike; Theunisz, Carola - 2023
This paper investigates the intra-group transmission of stricter capital regulation imposed at the banking group level. Specifically, we study how a policy-induced increase in the regulatory capital ratio impacts the capital adequacy composition, lending and risk-taking of the affiliated...
Persistent link: https://www.econbiz.de/10014349645