We examine the relationship between private bank deposits and macro/fiscal risk in euro area. test three hypotheses: First, relative to Germany are determined by factors. Second, this is time-varying. Third, time-variation driven level of risk. Our findings validate all tested hypotheses. They also reveal persistent fragmentation EMU core periphery banking systems caused a deficit trust systems...

At first sight the Internet imposes the ideal medium for carrying out banking activities, due to its cost savings potentials and speed of information transmission. From a technological and cost-driven standpoint it may seem quite logical for banks to shift as many banking activities online as possible. At the same time, the question of how to retain customers' loyalty arises when the relationsh...

This paper investigates the relation between national culture and bank deposits. Using annual data (1995–2015) for 99 banks that participated in 2014 stress tests of European Banking Authority, we document relations three cultural traits The effect hierarchy individualism on deposits is stronger (positive negative, respectively) domestic where more homogeneous compared to global banks. On oth...

Sharia banking is a sharia financial institution that considered to have contributed the national economy. Judging from value of market share owned by Islamic banking, it still relatively low compared Malaysia. This study aims determine effect capital products and on assets in Indonesia. The used are form stocks, corporate sukuk mutual funds. Meanwhile, there demand deposits, savings deposits. ...

The Sovereign Money Initiative will be submitted to the Swiss people in 2018. This paper reviews the arguments behind the initiative and discusses its potential impact. I argue that several arguments are inconsistent with empirical evidence or with economic logic. In particular, controlling sight deposits neither stabilizes credit nor avoids financial crises. Also, assuming that deposits at the...

The capital structure and regulation of financial intermediary firms are important topics for regulators and academic researchers. In general, theory predicts that firms choose their capital structures by balancing the benefits of debt against its costs. The purpose of this paper is to analyze capital structure as a function of bank's specific variable factors. It examines the relationship ...

The Indian Banking landscape is vast and complex. monolithic public sector banks single unit co-operative comprise two distinct ends of the spectrum, with private banks, regional rural foreign populating intermediate space. complexity banking system can be assessed from its pure bandwidth, straddling 21 SBI seven associates, 25 29 around 100 1800 urban banks. Between them, these have deposits R...

We show that maturity transformation does not expose banks to interest rate risk—it hedges it. The reason is the deposit franchise, which allows pay rates are low and insensitive market rates. Hedging franchise requires earn income also insensitive, is, lend long term at fixed As predicted by this theory, we closely match sensitivities of their expense, insulates equity from shocks. Our results...