, we show significant differences by bank type: saving banks, real estate and mortgage banks, and cooperative banks report … consistently lower NIMs than commercial banks and bank holdings. Contrary to other researches, we observe a negative relationship …In this paper, we analyze the relationship between the net interest margin (NIM) of US and European banks and market …

market rates. As low profitability could hamper the ability of banks to expand lending, I also investigate the impact of the …This paper explores the impact of low (but) positive and negative market interest rates on euro area banks' net … interest margin (NIM) and its components, retail lending and retail deposit rates. Using two proprietary bank-level data sets …

Using data for a large sample of banks from 31 OECD countries over 1995–2018, we analyze the impact of belonging to a … banking group on banks’ net interest margins. Our results confirm a positive relationship between interest rates and interest … margins, which is stronger in a low-interest rate environment. For banks belonging to an international banking group, we find …

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 …

Switzerland. For identification, we compare changes in the behavior of banks that had different fractions of their central bank …We analyze the effect of negative monetary policy rates on banks, using detailed supervisory information from … reserves exempt from negative rates. More affected banks reduce costly reserves and bond financing while maintaining non …

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 …. Finally, we show that the estimated impact of recent monetary policy measures on bank profitability does not appear to be …

. This paper's objective is achieved by using a two-step system generalised method of moment (GMM) for estimation. Three … of market power than the concentration measure (HHI). Managerial efficiency and risk aversion are bank-level factors that …

about the pass-through of monetary policy. On the one hand, negative rates could lead to declining bank profitability making … interest rates per se. This paper uses a large micro level data set of the German bank universe to examine how banks behave in … continued for too long QE and NIRP erode bank profits for most banks eventually. …