and Fortis Bank NL in the Dutch retail banking market. The financial crisis delayed the completion of the merger giving … the first to apply merger simulation methods in the context of banking using disaggregated data. …

In 2018, the Insurance Distribution Directive (IDD) was fully implemented by all EU member states. It intends to … harmonize the insurance market, provide the right incentives for the agents and protect the consumers. But why? The core … business of the banking sector makes it necessary for a prudential authority to intervene and monitor. The question arises if …

Our paper analyses the effect of natural catastrophes on insurance demand in a developing economy and the specific role … of insurance regulation in this relationship. We base our analysis on a theoretical model as well as a panel regression … insurance regulation in recent years. The theoretical results indicate that a loss experience should have a less positive effect …

I revisit the question of which motive underlies insurance demand. I draw on the literature of state-dependent utility … and on the literature of imperfectly divisible consumption to argue that the general purpose of insurance is not a risk … transfer, but meeting a conditional need. In this way, insurance aligns the risk in one's ftnancial endowment with the risk in …

demand for services like "insurance". As economic factors, we analyze the impact of non-governmental credit over the … insurance market. Development of an econometric model is based not only on the actual loan methodology (involving the securities …, life insurance for applicants and guarantors), but also on direct connections from the range of credit risk insurance …