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Regulation and competition in German banking : an assessment
Fischer, Karl-Hermann; Pfeil, Christian M. - 2003
In Germany a public discussion on the power of banks has been going on for decades now with the term power having at least two meanings. On the one hand, it denotes the power of banks to control public corporations through direct shareholdings or the exercise of proxy votes this is the power of...
Persistent link: https://www.econbiz.de/10009765356
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Stress Testing the German Mortgage Market
Barasinska, Nataliya - 2019
This paper presents a framework for estimating losses in the residential real estate mortgage portfolios of German …-trigger hypothesis of mortgage defaults. In order to analyse the possible credit losses stemming from residential mortgage lending we … to 2020 for the whole German banking sector. Our results show that loss rates in the residential mortgage portfolios of …
Persistent link: https://www.econbiz.de/10012866310
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Performance and Regulatory Effects of Non-Compliant Loans in German Synthetic Mortgage-Backed Securities Transactions
Trinkaus, Gaby - 2016
Over the term of a securitization transaction, the concept of non-compliance allows a securitizing bank to classify a securitized loan as materially non-compliant with certain transaction requirements. Such a loan becomes unqualified for loss allocation. Therefore, non-compliant loans can...
Persistent link: https://www.econbiz.de/10012989245
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Stress testing the German mortgage market
Barasinska, Nataliya; Haenle, Philipp; Koban, Anne; … - 2019
This paper presents a framework for estimating losses in the residential real estate mortgage portfolios of German …-trigger hypothesis of mortgage defaults. In order to analyse the possible credit losses stemming from residential mortgage lending we … to 2020 for the whole German banking sector. Our results show that loss rates in the residential mortgage portfolios of …
Persistent link: https://www.econbiz.de/10012012997
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The impact of borrower-based instruments on household vulnerability in Germany
Barasinska, Nataliya; Ludwig, Johannes; Vogel, Edgar - 2021 - This version: June 22, 2021
hypothetical activation shows that the introduction of a cap on the loan-to-value (LTV) ratio of new mortgage loans in Germany …
Persistent link: https://www.econbiz.de/10012589225
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Bank Market Structure, Competition, and SME Financing Relationships in European Regions
Mercieca, Steve - 2010
How do concentration and competition in the European banking sector affect lending relationships between small and medium sized enterprises (SMEs) and their banks? Recent empirical evidence suggests that concentration and competition capture different characteristics of banking systems. Using a...
Persistent link: https://www.econbiz.de/10013152904
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Handlungsempfehlungen zur erfolgreichen Etablierung der Honorarberatung im deutschen Finanzdienstleistungssektor - Eine qualitativ-empirische Analyse (Recommendations for Action fo...
Schmitz, Fabian; Schröder, Nicola - 2022
Abstract in German: Auf Basis eines bundesweiten Samples von Honorarberatern und Kunden eruiert diese Studie handlungspolitische Empfehlungen, die zu einer erfolgreichen Etablierung der Honorarberatung in Deutschland beitragen sollen. Mittels einer explorativen Faktoranalyse (EFA) wird zwischen...
Persistent link: https://www.econbiz.de/10013294587
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Bank Stock Returns, Leverage and the Business Cycle
Tsatsaronis, Kostas - 2013
The returns on bank stocks rise and fall with the business cycle, making bank equity financing cheaper in the boom and dearer during a recession. This provides support for prudential tools that give incentives for banks to build capital buffers at times when the cost of equity is lower. In...
Persistent link: https://www.econbiz.de/10013090675
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Auf der Suche nach der "optimalen" Finanzmarktaufsicht
Hartung, Thomas (contributor);  … - 2008
on the background of the recent turmoil in the US mortgage market. In the first place, the phenomena of bank runs and …
Persistent link: https://www.econbiz.de/10003635538
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The quiet life hypothesis in banking : evidence from German savings banks
Koetter, Michael (contributor); Vins, Oliver (contributor) - 2008
The "quiet life hypothesis (QLH)" posits that banks enjoy the advantages of market power in terms of foregone revenues or cost savings. We suggest a united approach to measure competition and efficiency simultaneously to test this hypothesis. We estimate bank-specific Lerner indices as measures...
Persistent link: https://www.econbiz.de/10003783101