Study on Overdraft and Instalment Credit Reference No: 514-06.01-2810HS034 Duration 8/2011 – 5/2012 - Executive Summary … offered by the overdraft facility more frequently than the average household. From the research sample of banks covered by the … the survey. Experts from consumer organisations consider interest rates charged for overdraft credit as too expensive. In …

Study on Overdraft and Instalment Credit Reference No: 514-06.01-2810HS034 Duration 8/2011 – 5/2012 - Executive Summary … offered by the overdraft facility more frequently than the average household. From the research sample of banks covered by the … the survey. Experts from consumer organisations consider interest rates charged for overdraft credit as too expensive. In …

As the euro area has a predominantly bank-based financial system, changes in the composition and strength of banks … developments in banks’ balance sheets, profitability and risk-bearing capacity and analyses their relevance for monetary policy. We …

fixation length tracks the life-cycle decline of credit risk in the mortgage market: the loan-to-value (LTV) ratio decreases …-LTV borrowers, who pay large initial credit spreads, trade off their insurance motive against reducing credit spreads over time …

prices that banks pay for liquidity, captured here by borrowing rates in repos with the central bank and benchmarked by the … overnight index swap. We have price data at the individual bank level and, unique to this paper, data on individual banks … liquidity. We find that the price a bank pays for liquidity depends on the liquidity positions of other banks, as well as its …

In this paper, we analyse a relationship between net interest margin (NIM) of EU banks and market interest rates in a … low-interest rate environment. We contribute to the literature when examining a large sample of annual data on 629 banks … investigated banks. Second, a higher market concentration, proxied by the Herfindahl index, leads to higher NIM. Finally, we show a …

The aim of this paper is twofold: first, to study the determinants of banks' net interest margin with a particular … for banks of the relaxation of a binding prudential limit on maturity mismatch, in place in Italy until the mid-2000s. The …

In this paper, we analyze the relationship between the net interest margin (NIM) of US and European banks and market … on 1,155 banks from United States and EU member countries during the 2011-2016 period, which also covers periods of zero …, we show significant differences by bank type: saving banks, real estate and mortgage banks, and cooperative banks report …

The development of credit information sharing schemes in developing countries has gained significant attention in … credit information sharing on credit intermediation cost in these countries, and consequently ascertain the extent to which … the credit information sharing–credit intermediation cost nexus may be accentuated by banking market concentration and …