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Does Diversification Improve the Performance of German Banks? Evidence from Individual Bank Loan Portfolios

Hayden, Evelyn; Porath, Daniel; Westernhagen, Natalja von - Oesterreichische Nationalbank - 2006

Should banks be diversified or focused? Does diversification indeed lead to increased performance and therefore greater … between banks’ profitability and their portfolio diversification across different industries, broader economic sectors and … associated with diversification since each type of diversification tends to reduce the banks’ returns. Additionally, we find that …

Persistent link: https://www.econbiz.de/10005839454

Bank complexity, governance, and risk

Correa, Ricardo; Goldberg, Linda S. - 2020

geographic complexity can engender explicit trade-offs between the agency problems that increase risk and the diversification … geographic scope tend to provide diversification gains and reduce idiosyncratic and liquidity risks while also increasing BHCs …

Persistent link: https://www.econbiz.de/10012619507

How Do Banks Determine Capital? Empirical Evidence for Germany

Weber, Martin; Kleff, Volker - 2003

This paper examines how capital is determined by German banks. We analyse whether the determinants found in the previous empirical literature hold for the special German banking sector with its three characteristic banking groups of savings banks, cooperative banks and other banks. On the basis...

Persistent link: https://www.econbiz.de/10010297333

Banks’ Capital Surplus and the Impact of Additional Capital Requirements

Malovaná, Simona - 2017

Banks in the Czech Republic maintain their regulatory capital ratios well above the level required by their regulator. This paper discusses the main reasons for this capital surplus and analyses the impact of additional capital requirements stemming from capital buffers and Pillar 2 add-ons on...

Persistent link: https://www.econbiz.de/10011787317

Banks' Buffer Capital: How Important Is Risk?

Lindquist, Kjersti-Gro - 2003

Most banks hold a capital to asset ratio well above the required minimum defined by the present capital adequacy regulation (Basel I). Using bank-level panel data from Norway, important hypotheses concerning the determination of the buffer capital are analysed. Focus is on the importance of: (i)...

Persistent link: https://www.econbiz.de/10012143614

Growth and earnings persistence in banking firms: a dynamic panel investigation

Shehzad, Choudhry Tanveer; Haan, Jakob de; Scholtens, Bert - 2009

This paper investigates (i) whether growth and profitability persist in banking firms, (ii) whether the level and volatility of growth and profitability are bank-size dependent, and (iii) the relationship between growth and profitability of a bank. Using a dynamic panel model estimated by GMM...

Persistent link: https://www.econbiz.de/10003883061

Competition, performance and portfolio quality in microfinance markets

Kar, Ashim Kumar; Swain, Ranjula Bali - 2014

In recent years growing competition in the microfinance industry has been censured for multiple borrowing, default crises, high interest rates and coercive recovery of loans. Using the Boone indicator as a measure for competition, our paper investigates the impact of competition on microfinance...

Persistent link: https://www.econbiz.de/10010424779

The determinants of NPLs in emerging Europe, 2000 - 2011

Erdinç, Didar; Abazi, Eda - 2014

The emerging Europe has been hardest hit by the surge in the non-performing loans (NPLs) in the aftermath of the global financial turbulence and the crisis-induced recession. The surge in the NPLs generated a severe banking distress, and left a legacy of a debt overhang that dramatically...

Persistent link: https://www.econbiz.de/10010461392

Client Concentration on Bank Profitability : An Empirical Analysis with Panel Data (1999 – 2007)

Georgiou, Miltiades N. - 2010

In the present paper an effort will be made to examine if geographical concentration of trade of goods has a positive impact on Bank profitability. The countries examined are: Austria, Belgium, Denmark, Finland, Germany, Ireland, Italy, Netherlands, Norway, Spain, Sweden and USA. The estimation...

Persistent link: https://www.econbiz.de/10013135513

A Panel Data Analysis of Firms’ Access to Credit in the Euro Area : Endogenous Selection, Individual Heterogeneity and Time Persistence

Angori, Gabriele - 2018

Using panel firm-level data, this paper analyses the main factors affecting firms' access to bank credit in eleven Euro Area countries over the period 2014-2016. We focus on firm's loan demand behaviour and on bank's actual credit granting decision, using alternative measures of credit...

Persistent link: https://www.econbiz.de/10012910602