Does Diversification Improve The Performance Of German Banks
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Does Diversification Improve The Performance Of German Banks
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Author : Evelyn Hayden
language : en
Publisher:
Release Date : 2006
Does Diversification Improve The Performance Of German Banks written by Evelyn Hayden and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Bank profits categories.
Does Diversification Improve The Performance Of German Banks Evidence From Individual Bank Loan Portfolios
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Author : Evelyn Hayden
language : en
Publisher:
Release Date : 2016
Does Diversification Improve The Performance Of German Banks Evidence From Individual Bank Loan Portfolios written by Evelyn Hayden and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Should banks be diversified or focused? Does diversification indeed lead to enhanced performance.
Income Diversification In The German Banking Industry
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Author : Ramona Busch
language : en
Publisher:
Release Date : 2016
Income Diversification In The German Banking Industry written by Ramona Busch and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
In the last few years it has been possible to observe decreasing interest margins for German universal banks. At the same time, institutions increasingly moved part of their business from interest to fee-earning activities. This study analyzes the determinants of non-interest income and its impact on financial performance and the risk profile of German banks between 1995 and 2007. We find empirical evidence that for all German universal banks risk-adjusted returns on equity and total assets are positively affected by higher fee income activities. Additionally, for commercial banks we show that a strong engagement in fee-generating activities goes along with higher risk. In order to analyze possible cross-subsidization effects between interest and fee business we also examine how banks' expansion in fee-based services has affected their interest margin. For savings and commercial banks we find that institutions with a strong focus on fee business charge lower interest margins when credit risk is controlled.
Diversification And The Banks Risk Return Characteristics
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Author : Andreas Behr
language : en
Publisher:
Release Date : 2016
Diversification And The Banks Risk Return Characteristics written by Andreas Behr and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Banks face a tradeoff between diversifying and focusing their loan portfolio. In this paper we carry out an empirical study for the German market to shed light on the question whether or not the benefits of risk sharing outweigh those of specialization. We use data from the Bundesbank's quarterly borrowers statistic to determine the degree of diversification in the banks' loan portfolios and combine this data with the banks' balance sheets and audit reports. The unique database comprises data from all German banks during the period from 1993 to 2003. Our main results can be summarized in three statements: i) Specialized banks have a slightly higher return than diversified banks. ii) Specialized banks have lower relative loan loss provisions and lower shares of non-performing loans, iii) However, the standard deviations of the loan loss provision ratio and the non-performing loan ratio are lower for diversified banks.
Diversification And The Banks Risk Return Characteristics Evidence From Loan Portfolios Of German Banks
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Author : Andreas Kamp
language : en
Publisher:
Release Date : 2007
Diversification And The Banks Risk Return Characteristics Evidence From Loan Portfolios Of German Banks written by Andreas Kamp and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with categories.
Banks face a tradeoff between diversifying and focusing their loan portfolio. In this paper we carry out an empirical study for the German market to shed light on the question whether or not the benefits of risk sharing outweigh those of specialization. We use data from the Bundesbank's quarterly borrowers statistic to determine the degree of diversification in the banks' loan portfolios and combine this data with the banks' balance sheets and audit reports. The unique database comprises data from all German banks during the period from 1993 to 2003. Our main results can be summarized in three statements: i) Specialized banks have a slightly higher return than diversified banks. ii) Specialized banks have lower relative loan loss provisions and lower shares of non-performing loans. iii) However, the standard deviations of the loan loss provision ratio and the non-performing loan ratio are lower for diversified banks.
Diversification And Determinants Of International Credit Portfolios
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Author : Benjamin Böninghausen
language : en
Publisher:
Release Date : 2016
Diversification And Determinants Of International Credit Portfolios written by Benjamin Böninghausen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
This paper examines the international credit portfolios of German banks. We construct a bank-country panel from a unique dataset for a representative set of countries and ask why banks leave diversification opportunities unexploited in some countries. Controlling for bank heterogeneity, we analyse the deviations of actual portfolios from a mean-variance based benchmark and their country-level determinants. Our results show that banking regulations are important determinants of the credit allocation of German banks. We present robust evidence that countries with stricter capital adequacy and entry requirements tend to be overweighted, primarily due to excess profits resulting from a lower level of banking market competition. German banks also overweight countries with larger and more developed banking markets. Moreover, we find support that German banks follow their domestic customers abroad to maintain existing lending relationships. Geographical factors, in contrast, do not seem to matter. Our findings suggest that changes in and convergence of banking regulations as well as financial deepening of banking sectors around the world may, in the long term, result in banks holding more diversified international credit portfolios.
Diversification And The Banks Risk Return Characteristics Evidence From Loan Portfolios Of German Banks
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Author : Andreas Behr
language : en
Publisher:
Release Date : 2007
Diversification And The Banks Risk Return Characteristics Evidence From Loan Portfolios Of German Banks written by Andreas Behr and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with categories.
Diversified Development
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Author : Indermit S. Gill
language : en
Publisher: World Bank Publications
Release Date : 2014-02-26
Diversified Development written by Indermit S. Gill and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-02-26 with Business & Economics categories.
Eurasian economies have to become efficient more productive, job-creating, and stable. But efficiency is not the same as diversification. Governments need to worry less about the composition of exports and production and more about asset portfolios natural resources, built capital, and economic institutions.
What Drives Portfolio Investments Of German Banks In Emerging Capital Markets
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Author : Christian Wildmann
language : en
Publisher:
Release Date : 2010
What Drives Portfolio Investments Of German Banks In Emerging Capital Markets written by Christian Wildmann and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with categories.
Germany
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Author : International Monetary Fund. Monetary and Capital Markets Department
language : en
Publisher: International Monetary Fund
Release Date : 2016-06-29
Germany written by International Monetary Fund. Monetary and Capital Markets Department and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-06-29 with Business & Economics categories.
This paper evaluates the risks and vulnerabilities of the German financial system and reviews both the German regulatory and supervisory framework and implementation of the common European framework insofar as it is relevant for Germany. The country is home to two global systemically important financial institutions, Deutsche Bank AG and Allianz SE. The system is also very heterogeneous, with a range of business models and a large number of smaller banks and insurers. The regulatory landscape has changed profoundly with strengthened solvency and liquidity regulations for banks (the EU Capital Requirements Regulation and Directive IV), and the introduction of macroprudential tools.