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This paper places the institution of bank deposit protection in the context of government paternalism. I apply the … of the Russian case. I rely on statistical data from Central Bank of Russia, Deposit Insurance Agency, and Rosstat. The …
Persistent link: https://www.econbiz.de/10012838437
Low spreads between loan rates and deposit rates are indicative of a more efficient financial system. We argue that spreads are better cross country measures of banking system efficiency than the net interest margins used in previous studies. We present theoretical and empirical evidence that...
Persistent link: https://www.econbiz.de/10012961322
This study analyses the impact of political factors on commercial banks' behaviour and performance in 11 CEE countries between 1992 and 2008. Using a unique dataset of commercial banks and electoral factors, we find that state-owned banks show significantly smaller net interest income ratios...
Persistent link: https://www.econbiz.de/10011893062
We investigate the determinants of bank interest margins in the Central and Eastern European countries (CEEC). We … assess to what extent the relatively high bank margins in CEEC can be attributed to low efficiency or non-competitive market …
Persistent link: https://www.econbiz.de/10014215147
This paper provides an overview of the history of banking transition (1989-2006) in 13 CEE countries – with particular emphasis on four relatively large Balkan countries (Bulgaria, Croatia, Romania, Serbia and Montenegro). Two “banking reform waves” are distinguished, salient features of...
Persistent link: https://www.econbiz.de/10013404450
The case of deposit insurance introduction in Russia may suggest that institutional change in post-socialist economies was partly driven by subjective factors, and the choice of imported institutions was rather random. The circumstances under which explicit deposit insurance emerged in Russia...
Persistent link: https://www.econbiz.de/10012897658
The dollarization of bank deposits in developing economies may result in a currency mismatch in domestic banking …, and affect bank profitability in such economies. This paper empirically tests the effect of dollarization on bank … mismatch theory. Our results suggest that though there is no direct link between bank profitability and dollarization in these …
Persistent link: https://www.econbiz.de/10013136563
This article reviews the impact of Brexit on the European System of Financial Supervision (ESFS) and claims that the withdrawal of the United Kingdom will lead to more centralisation of supervision at EU level and a tightening of the supervision over third countries' markets actors. This...
Persistent link: https://www.econbiz.de/10012860683
environment for bank stability and efficiency, with a focus on host countries from Central and Eastern Europe. The main research …, measures of market competitive conditions and bank stability index Z-score …
Persistent link: https://www.econbiz.de/10013089366
Amidst increased attention on climate change, which is characterised by high uncertainties and long‐term time horizons, the financial sector and supervisors are developing methods and approaches for the evaluation of climate‐related financial risks. This paper proposes a transition capacity...
Persistent link: https://www.econbiz.de/10012548933