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 … market rates. As low profitability could hamper the ability of banks to expand lending, I also investigate the impact of the …

Using unique data of a survey among small and medium-sized German banks, we analyze various aspects of risk management … find that, in the first year, the impairments of banks' bond portfolios are much larger than the reductions in their net … interest income, that banks attenuate the resulting write-downs by liquidating hidden reserves and that banks which use …

, 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 …