The slowdown in the growth rate of retail deposits is due to the policy of low rates of the Central Bank of the Russian Federation in 2020 and the introduction of a tax on interest on retail deposits, which came into force in 2021. The increase in the key rate of the Bank of Russia contributed...

Despite the introduction of regulatory restrictions and interest rate hikes in H2 2021, retail lending remained one of the fastest-growing segments of the banking market throughout previous year and contributed to growth in banking incomes. Amidst increased sanctions pressure, the government and...

In January-November 2021, retail bank deposits increased slightly and their share in bank liabilities decreased. The factors of the slowdown were: the outflow of funds into the purchase of real estate due to the availability of mortgages; attractive conditions on the stock market; the growth of...

At year-end 2019, high rates of the retail lending market were registered. This growth demonstrated increased accessibility of loans to households amid moderate inflation and stable financial state of households. Excessive banking sector's liquidity was an additional trigger for this growth....

This study focuses on the adoption of retail internet banking among consumers in the Klang Valley, Malaysia and the impact of demographics factors on such adoption behavior. This study adopts a quantitative approach using surveys conducted at banks. The results indicate that while the hypotheses...

We evaluate changes in investment bank balance sheets during financial crises to determine how these firms respond to funding shocks. Most investment banks maintain funding levels during these downturns, suggesting that liquidity shocks are not a trigger for their financial troubles. Among the...

This paper focuses on the defining the role of CRO in corporate governance and to show the interrelation between the way of CRO subordination and performance of investment bank. The sample consists of observations over a period of 2011 for 29 biggest investment banks (by amount of assets)...

This study analyzes information production and trading behavior of banks with lending relationships. We combine trade-by-trade supervisory data and credit-registry data to examine banks' proprietary trading in borrower stocks around a large number of corporate events. We find that relationship...

We study the effects of a bank's engagement in trading. Traditional banking is relationship-based: not scalable, long-term oriented, with high implicit capital, and low risk (thanks to the law of large numbers). Trading is transactions-based: scalable, shortterm, capital constrained, and with...

Retail deposits represent about 30% of total European banking assets. The bulk of the balance sheet of banks (about 70%) comprise non-retail loans and deposits (e.g. interbank loans and deposits, loans and deposits from insurance corporations and pension funds and loans and deposits from...