WORKING PAPER SERIES NO 1395 / NOVEMBER 2011: ON THE IMPORTANCE OF PRIOR RELATIONSHIPS IN BANK LOANS TO RETAIL CUSTOMERS pptx
Tài liệu On the Importance of Prior Relationships in Bank Loans to Retail Customers docx
... far. Only 2.5% of the loan applicants have had no relationship with their savings banks prior to the loan application. At the same time, many of the existing customers have been customers of the ... The combination of debit and credit cards is the most common type among customers; 46.5% of them have both types of cards. 3.8% of the customers only have a debit card, while 18.3% of the customers ... the importance of retail consumers’ banking relationships for loan defaults using a unique, comprehensive dataset of over one million loans by savings banks in Germany. We find that loans of...
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WORKING PAPER SERIES NO 1394 / NOVEMBER 2011: BANK RISK DURING THE FINANCIAL CRISIS DO BUSINESS MODELS MATTER? pot
... true in the period prior to the crisis as the profuse use of innovative financial instruments and banking expansion led to the emergence of new banking models, in which managers had stronger incentives ... In terms of the impact of the funding structure on bank risk, most of the earlier literature pointed to the benefits derived from the use of market financing. Banks can raise in the interbank ... after the 1982 Mexican debt moratorium and the following banking crisis. 10ECB Working Paper Series No 1394 November 2011rapid increases in their stock market valuations, to ascertain whether...
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WORKING PAPER SERIES NO 1332 / APRIL 2011: CENTRAL BANK COMMUNICATION ON FINANCIAL STABILITY docx
... different time windows prior to the event, with the first row measuring returns on the day prior to the event, the second row on the 2 days prior to the event, and so on. Standard deviations are calculated ... (3). The results show that the content of FSRs reflects to some extent prior financial market developments. There is a monotonic relation between the tone of FSRs and the preceding stock market ... in the underlying analytical tools, and on the other hand, that there has been a large increase in the number of central banks that publish FSRs. The frontrunners are the Bank of England, the...
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WORKING PAPER SERIES NO. 407 / NOVEMBER 2004: BANKING CONSOLIDATION AND SMALL BUSINESS LENDING potx
... the following discussion the bank will be referred in the feminine, and the individual agents in the masculinetoeaseidentification. The payoffs are obtained from an underlying economy. The economy consists ... own to offering a single (w, π∗) pair to the agent, a s the agent contemplates18ECB Working Paper Series No. 407 November 2004W ORKING PAPER SERIES NO. 407 / NOVEMBER 2004BANKING CONSOLIDATION ... important in small business lending anduses the findings of the model to investigate the consequences of banking consolidation. The most important theoretical finding of the paper is that banking corporate...
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WORKING PAPER SERIES NO 1376 / SEPTEMBER 2011: THE PRICE OF LIQUIDITY THE EFFECTS OF MARKET CONDITIONS AND BANK CHARACTERISTICS pptx
... points more than the 1% largest banks.By way of comparison, the average conditional volatility of the two-week interbank rate on main refinancing operation days is 5.3 bps. One basis point of the ... period on account with the national central bank. 7During the sample period of this paper, reserve maintenance periods had a length of one month, starting on the 24th of each month and ending on the ... is timed to coincide with the maturity of funds obtained in the second -to- previous operation. The schedule of operations in agiven year is announced three months before the start of the year....
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WORKING PAPER SERIES NO 868 / FEBRUARY 2008: PURDAH ON THE RATIONALE FOR CENTRAL BANK SILENCE AROUND POLICY MEETINGS pptx
... are included in the analysis. 14ECB Working Paper Series No 868February 2008 On the one hand, the evidence about increasing volatility in the pre-FOMC purdah clearly supports the notion of ... policy will depend on what the Fed sees happening in the future, adding: "One of the main features of the future is the decline of the savings rate in American households since the mid-1980's." ... careful in focusing on forward-looking statements and in avoiding duplication of statements in the database. The extraction is done in a mechanical manner using a set of search words, including the...
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Working PaPer SerieS no 1150 / January 2010: Do bank loanS anD creDit StanDarDS have an effect on outPut? a Panel aPProach for the euro area doc
... not necessarily refl ect those of the European Central Bank. Information on all of the working papers published in the ECB’s Working Paper Series can be found on the ECB’s website, http :// www.ecb.europa.eu/pub/scientifi ... standards.15ECB Working Paper Series No 1150January 2010banks to supply more loans. To complete our assesment of the importance of the banking lending channel, we next investigate the existence of a signi…cant ... applied on loans to enterprises,have signi…cant e¤ects on real economic activity. This highlights the imp ortance of including the monitoring of credit developments in the toolkit of monetary...
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Working PaPer SerieS no 1272 / DeCeMBer 2010: THe iMPaCT of PuBliC guaranTeeS on Bank riSk Taking eviDenCe froM a naTural exPeriMenT pptx
... only know that the customer banked with anyone of the group. We thus link the customer characteristics to the average of the group of savings banks, rather than to an individual savings bank. In ... rather than an explicit one (Gropp et al.,2010). Further, we use the link between banks and their customers in the data to obtaina precise measure of bank risk taking. The reminder of the paper ... members in the savings banks association. They are not covered in the data set.10Refer to Section 6 for a further description of the bank level data set.14ECB Working Paper Series No 1272December...
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WORKING PAPER SERIES NO. 398 / OCTOBER 2004: MERGERS AND ACQUISITIONS AND BANK PERFORMANCE IN EUROPE THE ROLE OF STRATEGIC SIMILARITIES potx
... and the evolution of post-acquisition practices in the U.S. banking industry,University of Pennsylvania, The Wharton School Working Paper Series 10.30ECB Working Paper Series No. 398October ... effect of changes on the capital levels on performance hinges on the recent theory of the banking firm, which isbased on the ‘specialness’ of banks in a setting in which there are asymmetries of information. ... earningsOOR/TA Other operational revenue/Total assetsOff-balance sheetOBS/TA Off-balance-sheet items/Total assets Loans to deposits LOANS/ DEP Customer loans/ Customer depositsOther expenses in...
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WORKING PAPER SERIES NO. 527 / SEPTEMBER 2005: BANKING SYSTEM STABILITY A CROSS-ATLANTIC PERSPECTIVE pptx
... ring a slo w ly ad-vancing financial integration process. Interestingly, the introduction of the euro in Janu ary 1999 seems to have had a reductionary or no effect on ba nking system risk in the ... US banks. We also aggregate those βs and test for the equality of them in the euro area and the US. Section 8 then asks the questionwheth er on a ny of the two continen ts the risk o f interbank ... set of N banks from,13ECB Working Paper Series No. 527September 2005e.g., the same coun try or con tinent. D eno te the log first differences of the price changes in bank stocks min u s the...
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