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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
, regulatory intervention is needed even in the presence of the state guarantees on agents’ deposits in the banks (workout …
Persistent link: https://www.econbiz.de/10010279108
increasing regulation on operating costs. In contrast, smaller banks, especially if they are cooperative banks, were facing … the impacts of the regulatory environment on operating costs using panel data of 2,200 German banks over the timeframe … from 1999 to 2014. We estimate cost functions with and without proxies for regulation and analyze the results with respect …
Persistent link: https://www.econbiz.de/10014524342
Financial repression lowers the return on government debt and contributes, all else equal, towards its liquidation. However, its full effect on the debt-to-GDP ratio hinges on how repression impacts the economy at large because it alters investment and saving decisions. We develop and estimate a...
Persistent link: https://www.econbiz.de/10014561421
riesgo, mientras que la liquidez no afecta de manera significativa al riesgo ; Using international listed banks from the … measure, namely the volatility of banks’ stock returns. We also examine the effect of government support during the financial … with securities trading and a negative association with capital. Banks’ chosen liquidity is unimportant for this measure of …
Persistent link: https://www.econbiz.de/10012532174
This Paper gives an overview of the German banking system and current challenges it is facing. It starts with an overview of the so-called "Three-Pillar-Banking-System" and a detailed description of the current structure of the banking system in Germany. A brief comparison of the banking system...
Persistent link: https://www.econbiz.de/10011437496
lead to significant changes in the competitive environment should banks consider adding a granularity adjustment to the …
Persistent link: https://www.econbiz.de/10012217923