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Costs of retail payments : an overview of recent national studies in Europe
Junius, Kerstin; Devigne, Lucas; Honkkila, Juha; … - 2022
The paper provides an overview of studies on the social and private costs of retail payments conducted since 2013 in nine EU countries and collates the results obtained. Social costs of retail payments are the overall costs resulting from providing payment services to society and deriving from...
Persistent link: https://www.econbiz.de/10013198350
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Costs of retail payments: An overview of recent national studies in Europe
Junius, Kerstin; Devigne, Lucas; Honkkila, Juha; … - 2022
The paper provides an overview of studies on the social and private costs of retail payments conducted since 2013 in nine EU countries and collates the results obtained. Social costs of retail payments are the overall costs resulting from providing payment services to society and deriving from...
Persistent link: https://www.econbiz.de/10013331901
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The social and private costs of retail payment instruments: a European perspective
Schmiedel, Heiko; Kostova, Gergana; Ruttenberg, Wiebe - 2012
The European Central Bank (ECB) carried out a study of the social and private costs of different payment instruments with the participation of 13 national central banks in the European System of Central Banks (ESCB). It shows that the costs to society of providing retail payment services are...
Persistent link: https://www.econbiz.de/10011606289
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The social and private costs of retail payment instruments: a European perspective
Schmiedel, Heiko; Kostova, Gergana; Ruttenberg, Wiebe - European Central Bank - 2012
The European Central Bank (ECB) carried out a study of the social and private costs of different payment instruments with the participation of 13 national central banks in the European System of Central Banks (ESCB). It shows that the costs to society of providing retail payment services are...
Persistent link: https://www.econbiz.de/10010693506
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The social and private costs of retail payment instruments: a European perspective
Schmiedel, Heiko; Kostova, Gergana; Ruttenberg, Wiebe - European Central Bank - 2012
The European Central Bank (ECB) carried out a study of the social and private costs of different payment instruments with the participation of 13 national central banks in the European System of Central Banks (ESCB). It shows that the costs to society of providing retail payment services are...
Persistent link: https://www.econbiz.de/10010688317
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Managerial Incentives and the Efficiency of Capital Structure in U.S. Commercial Banking
Hughes, Joseph P.; Lang, William W.; Moon, Choon-Geol; … - 2004
We extend the literature on the effects of managerial entrenchment to consider how safety-net subsidies and financial distress costs interact with managerial incentives to influence capital structure in U.S. commercial banking. Using cross-sectional data on publicly traded, highest-level U.S....
Persistent link: https://www.econbiz.de/10010263221
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The impact of regional and demographic factors on the efficiency of German savings banks
Conrad, Alexander; Neuberger, Doris; Trigo Gamarra, Lucinda - 2009
This paper examines the influence of environmental factors on technical, cost, scale and revenue efficiency of German … differentiates between declining and growing regions. Regional and demographic factors explain part of the variation in efficiency … levels. Population density and branch penetration positively affect efficiency in growing regions. A negative impact of …
Persistent link: https://www.econbiz.de/10010319223
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Der Einfluss regionaler und demographischer Umfeldfaktoren auf die Kosten- und Ertragssituation von Sparkassen : eine Effizienzanalyse
Conrad, Alexander; Neuberger, Doris; Trigo Gamarra, Lucinda - 2009
Aufgrund der starken regionalen Verankerung kann bei den Sparkassen ein besonderes Interesse an den Folgen des demographischen Wandels und speziell von Alterung und Abwanderung vermutet werden. Dabei sind die Sparkassen nicht nur über das Regionalprinzip eng mit einer bestimmten Region...
Persistent link: https://www.econbiz.de/10003887034
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Risk-return efficiency, financial distress risk, and bank financial strength ratings
Hua, Changchun; Liu, Li-gang - 2010
achieving risk-return efficiency. We first estimate the expected returns, risks, and financial distress risk proxy (the inverse … z-score), then apply the stochastic frontier analysis (SFA) to obtain the risk-return efficiency score for each bank …, and finally conduct ordered logit regressions of bank ratings on estimated risks, risk-return efficiency, and the inverse …
Persistent link: https://www.econbiz.de/10008732356
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The impact of regional and demographic factors on the efficiency of German savings banks
Conrad, Alexander; Neuberger, Doris; Trigo Gamarra, Lucinda - 2009
This paper examines the influence of environmental factors on technical, cost, scale and revenue efficiency of German … differentiates between declining and growing regions. Regional and demographic factors explain part of the variation in efficiency … levels. Population density and branch penetration positively affect efficiency in growing regions. A negative impact of …
Persistent link: https://www.econbiz.de/10003941228