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Financial inclusion and financial literacy are receiving increasing attention for their potential to contribute to economic and financial development while fostering more inclusive growth and greater income equality. In general, the progress of financial inclusion and financial development in...
Persistent link: https://www.econbiz.de/10011944262
This paper gives an overview over corporate governance and banking regulation in Germany. Particular attention is put …
Persistent link: https://www.econbiz.de/10010299931
asymmetric information the banks face the risk of adverse selection. Credit Value-at-Risk (CVaR) regulation counters the problem …Banks provide risky loans to firms which have superior information regarding the quality of their projects. Due to … of low quality, i.e. high risk, loans and therefore reduces the risk of the bank loan portfolio. However, CVaR regulation …
Persistent link: https://www.econbiz.de/10010325499
Der deutsche Bankensektor ist im Umbruch. Von den Folgen der internationalen Finanzkrise, die ihren Ausgang auf dem US-Immobilienmarkt genommen hat, geht ein erheblicher Druck zu Reformen aus, weil gerade in solchen Situationen die besonderen Baustellen der nationalen Bankensysteme sichtbar...
Persistent link: https://www.econbiz.de/10011601785
The paper analyzes Information Technology (IT) governance disclosure on a sample of the major 20 EU banks (from Italy …, Germany, France and Spain) to observe if, how and where banks report on their IT governance issues. Since IT governance (like … banks’ operational functioning; it is a key resource in developing and supporting banking services, enabling institutions …
Persistent link: https://www.econbiz.de/10011985131
We study the effect of board governance in state-owned and private banks by undertaking a study of commercial banks in … exhibiting a significant positive correlation with the performance of private banks and a significant but negative correlation … with the performance of state-owned banks. The effect of CEO duality is negative in state-owned banks where incidence of …
Persistent link: https://www.econbiz.de/10011996082
reasons: first, banks enable a fintech's market entry; second, banks increase a fintech's profits; and finally, banks enable … when they cooperate with banks. Based on these results, we developed propositions that can be tested in future research. …
Persistent link: https://www.econbiz.de/10012030923
regulation on the probability of a crisis. We test this relationship by applying a Probit model of a non-linear specification to …: it rises as regulation stringency moves from low to medium levels and falls from medium to high levels. Countries located …
Persistent link: https://www.econbiz.de/10012052830
After the financial crisis financial regulators increased banks’ capital adequacy ratios (CET1/RWA) requirements in …, some of which might affect bank’s ability to finance the real economy. We perform a decomposition of the changes in capital … adequacy ratios into seven factors to check whether banks adjusted their capital ratio by increasing equity, by reducing loans …
Persistent link: https://www.econbiz.de/10012055399
We investigate profit shifting by the largest and systemically relevant European multinational banks using new data …
Persistent link: https://www.econbiz.de/10012055419