Market discipline at German savings banks‡ pot
Market discipline at German savings banks‡ pot
... reunificationin 1989/1990, the East German savings banks were resolved – with the aid of West German savings banks – from the state bank and were reintegrated into the German savings bankorganization ... income statements.We concentrate on unconsolidated statements of local savings banks to ensure comparability.14Nearly all savings banks report their statements in accordance with the German ... by the fact that the recovery rates in Germanyare relatively high, which holds especially true for collateralized loans like real estate loans(Franks et al. (2004)), so that German depositors...
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Tài liệu The Significance of German Savings Banks in regional Structural and Cohesion Policy: Can they avoid regional downward Spirals? pdf
... privatization of the banking market that was extensively carried out in other European countries has not occurred in Germany (Engerer/Schrooten, 2004: 74). But this does not mean that German savings ... exact data. Therefore the author did not work with a sam-ple, but prepared the data for all savings banks and all regions in Germany (statistical population). The Significance of German Savings ... result of the correlation analyses for West and East Germany. A correlation coefficient between 0 and +1 represents a positive statistical relation, indi-cating here that savings banks are more...
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Tài liệu Capital Policy of German Savings Banks – A Survey doc
... subordinated debt or not. Spearman’s correlation indicates that the costs of issuing subordinated debt are significantly more relevant for the savings banks that actually have issued subordinated ... Assuming that the savings banks will satisfy 11 Ayuso et al. (2004), however, find a significant and negative relationship between the economic situation and the regulatory capital ratio. Some ... capital target that aims at a lower capital ratio. Therefore, the chi2 independence test refuses the hypotheses that the existence of a quantitative target for the total capital ratio and the...
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BALANCED STRUCTURAL POLICY: GERMAN SAVINGS BANKS FROM A REGIONAL ECONOMIC PERSPECTIVE pptx
... between savings banks and regional indicators for Germany as a whole,western Germany and eastern Germany 119Table 4 Savings bank lending from 1999 to 2003 Germany,western Germany and eastern Germany ... examination of savings banks as local players.172 This is in view of the fact that there is no savings bank equalisation fund and that savings banks can only use their own regional business potential. ... experts are currently debating concentratingcompetitive potential at a national or supraregional level albeit in the lightof locally available potential.Competitive potential is not, however,...
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THE EARLY HISTORY OF IRISH SAVINGS BANKS pot
... its savings banks were best at targeting those for whom they were intended, and the average deposits there were lowest in all occupational categories. These data strongly imply that Irish savings ... originally intended’.29 Scattered aggregate data offer some firmer clues on savers’ socio-economic status. The following discussion is based mainly on the data collated in Tables 1.2-1.6. First ... potato crop in 1845. The damage inflicted in 1845 was limited, and the catastrophe that was the Great Irish Famine really began with THE EARLY HISTORY OF IRISH SAVINGS...
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Microcredit in Europe - Experiences of Savings Banks pot
... below on savings banks foundations, the savings bank still plays an important role, assessing the credit risk and facilitating the credit allocation.The microcredit initiatives of Spanish savings ... exclusion:Caixa Catalunya’s Un Sol Mon Foundation for example, operates a microcredit programme in Catalo-nia, which gives support to income-generating activities for individuals and cooperatives that due ... Euros for microenterprises with less than 10 employees. German Savings banks and KfW German savings banks are involved in the allocation of state development programmes to financing start-ups and...
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Banks’ regulatory capital buffer and the business cycle: evidence for German savings and cooperative banks pot
... following reunification and as east German savings and cooperative banks financed a substantial part of this catching-up process. Further, our dataset includes 288 observations with negative capital ... German savings and 2159 cooperative banks in west Germany over the period 1993 to 2003. 1993 is the earliest date for which data on risk-weighted assets are available. 2003 is the latest date ... is that simulation studies show that the OLS estimator is typically biased upwards, while the FE estimator is biased downwards in bivariate dynamic specifications (Bond 2002). In multivariate...
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Which interest rate scenario is the worst one for a bank? Evidence from a tracking bank approach for German savings and cooperative banks potx
... S(3)S(12) S(60)RˆRWhich interest rate scenario is the worstone for a bank?Evidence from a tracking bank approach for German savings and cooperative banksChristoph MemmelDiscussion PaperSeries ... 69 9566-1 Telex within Germany 41227, telex from abroad 414431 Please address all orders in writing to: Deutsche Bundesbank, Press and Public Relations Division, at the above address or ... T...
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BEYOND MICROCREDIT: THE ROLE OF SAVINGS BANKS IN MICROFINANCE potx
... SMEs financing product, the German Savings Banks FundedCredit Scheme. Through the partnership with SBFIC (the German Savings Banks Foundation for International Cooperation)12from2005-2007, ... financialinstitutions in their educational role to stimulate the mobilization of savings. They set up campaigns that are innovative and add value to the bank inaddition to the marketing aspect. This pedagogical ... ofmicrocredit is estimated at USD 4 billion, serving 22 million borrowers, withan overall market penetration rate of only 6%. This market is, however, limitedand concentrated in just a few countries...
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SAVINGS BANKS ACADEMIC AWARD 2012: An Initiative of the European Savings Banks Group potx
... annex.10. Applications will initially be considered on a national level. The national organisation or national coordinator appointed by the national savings bank or organisation will prepare ... the Savings Banks Academic Award, please contact your country’s national coordinators1 for all practical information.The national coordinators will prepare a short list of three candi-dates ... of candidates for the European Savings Banks Academic Award. 11. A maximum of three candidates will be accepted at each national level. 12. The deadline for the national coordinators to submit...
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