German Banking Structure Pricing And Competition
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German Banking Structure Pricing And Competition
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Author : Benjamin H. Dietrich
language : en
Publisher: Peter Lang
Release Date : 2009
German Banking Structure Pricing And Competition written by Benjamin H. Dietrich and has been published by Peter Lang this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Banks and banking categories.
The German banking system is characterized by high fragmentation, low profitability and low foreign ownership. Main reason for this is its particular structure that can best be described as forced segmentation. This structure produces local banking markets. The book argues that local bank competition is not as pronounced as national concentration ratios predict and presents a bank pricing study which indicates that local banks, banks located in less densely populated areas and less productive banks tend to charge higher prices for retail bank services than banks that operate nationally. These results as well as lessons drawn from international reforms suggest that the German banking system could benefit from cross-pillar consolidation which promises to export competition from the national to local banking markets. Last but not least, the book analyzes political economy implications of banking reforms and provides suggestions on status quo resolution by identifying ways to facilitate reform implementation in the German banking system.
Is Germany Overbanked Market Structure And Competition
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Author : Chrysanth Herr
language : en
Publisher: GRIN Verlag
Release Date : 2007-08
Is Germany Overbanked Market Structure And Competition written by Chrysanth Herr and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-08 with categories.
Seminar paper from the year 2006 in the subject Business economics - Investment and Finance, grade: 1,3, European Business School - International University Schlo Reichartshausen Oestrich-Winkel, course: Seminar Retail Banking, 52 entries in the bibliography, language: English, abstract: German banks have come under pressure for their disappointing profitability. Indeed, rankings of developed nations along profitability indicators place Germany at the end of the scale. Critics attribute that situation mainly to the German banking system being overbanked and overbranched. The purpose of this paper is to analyze that notion and to examine the German market and competitive landscape of the retail banking industry. The analysis contains four sections. The first section compares profitability ratios and indicators of German banks to their peers' performances. The study produces surprising results. Despite the ostensibly high branch density, Germany's banks operate very cost efficiently. Yet it is their inability to generate sufficient income that results in the sluggish net earnings. Consequently, in the second section, the authors examine the German banking system and portray and compare its peculiarities in order to find out if the income problems are inherent to the system. More than in any other country, public banks dominate the market and, together with the cooperative banks, do not follow the economic principle of profit maximization. Moreover, the public banks have also received unjust government subsidies in the form of the maintenance and guarantee obligations. Thus, one presumes that private German banks operate in a very difficult system. The third section then takes a closer look at the market and analyzes the bank density, branch density and competition which the system produces. In the past, waves of intra-group consolidations have occurred. Similarly, branch networks have been thinned out especially by the private banks in an effort to cut costs. The r
Germany S Three Pillar Banking System
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Author : International Monetary Fund
language : en
Publisher: International Monetary Fund
Release Date : 2004-06-21
Germany S Three Pillar Banking System written by International Monetary Fund 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 2004-06-21 with Business & Economics categories.
German banks tend to be less profitable than their foreign counterparts. This paper estimates the likely effect of the phaseout of state guarantees for public sector banks, reviews the various ways in which public policy could contribute to their restructuring, and discusses the various arguments for and against public involvement in banking.
Bank Competition And Stability In The German Banking Market
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Author : Franz Lennart Wunderlich
language : en
Publisher: GRIN Verlag
Release Date : 2022-09-12
Bank Competition And Stability In The German Banking Market written by Franz Lennart Wunderlich and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-09-12 with Business & Economics categories.
Seminar paper from the year 2021 in the subject Economics - Finance, grade: 1,0, , language: English, abstract: This paper addresses this issue and examines how bank competition affects their stability in the German market. 317 banks are investigated over the period from 2013 to 2019 using panel data estimation models such as the fixed effects and random effects estimator. In order to get a good understanding of the problem and to design an optimal model, the theoretical basics are explained beforehand. In addition, a detailed discussion of how bank competition and stability can be measured is included in the paper. A special focus will be placed on the Lerner index, the H-statistic, and the Boone indicator (competition measures) as well as the Z-score and non-performing loans (stability measures). Previous empirical results and a description of the main characteristics of the German banking market complete the preparation for the model design and implementation, which are discussed and explained in conclusion.
Germany
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Author : International Monetary Fund
language : en
Publisher: International Monetary Fund
Release Date : 2011-12-23
Germany written by International Monetary Fund 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 2011-12-23 with Business & Economics categories.
This Technical Note focuses on banking sector structure in Germany. Germany’s banking system comprises three “pillars”—private commercial banks, public sector banks, and cooperative banks—distinguished by the ownership structure and business orientation. The German banking system includes a large number of institutions in both absolute and relative terms. This note describes the evolution of Germany’s three-pillar banking system. It analyzes capitalization, credit and the intermediation of savings, and bank profitability and efficiency. It also examines the benefits of public involvement and governance in the banking system.
The German Financial System
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Author : Jan P. Krahnen
language : en
Publisher: OUP Oxford
Release Date : 2004-03-25
The German Financial System written by Jan P. Krahnen and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004-03-25 with Business & Economics categories.
This book is both a reference book on Germany's financial system and a contribution to the economic debate about its status at the beginning of the twenty-first century. In giving a comprehensive account of the many facets of the system, it covers corporate governance, relationship lending, stock market development, investor protection, the venture capital industry, and the accounting system, and reports on monetary transmission and the credit channel, regulation and banking competition, the insurance and investment industry, and mergers and acquisitions. Special chapters at the beginning and at the end of the book adopt the financial system perspective, analysing the mutual fit of different features of the financial system; and each of the fifteen chapters addresses particular myths that surround it. The book is invaluable for those who want to understand the German economy and its financial system, promising not only a compilation of facts and statistics on Germany's financial markets and institutions, but also an analysis of its current structure and the determinants of its future development.
Increasing Competition And Changing Customer Behavior In The German Financial Services Sector
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Author : Ulrich Thaidigsmann
language : en
Publisher: diplom.de
Release Date : 2006-10-25
Increasing Competition And Changing Customer Behavior In The German Financial Services Sector written by Ulrich Thaidigsmann and has been published by diplom.de this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-10-25 with Business & Economics categories.
Inhaltsangabe:Abstract: Within the last few years, dramatic changes took and still take place in the retail banking business. On the supply-side competition for cooperative banks is increasing due to various reasons. New competitors with different business models have entered the market. There is no doubt that they pose a serious threat to cooperative universal banks (which were the focus of this dissertation) and whose market share is declining constantly. Furthermore, non-banks and near-banks have to be considered in this respect, too, as these entities' business models are increasingly targeting customers of universal banks. On the demand side, changing customer behavior has accelerated transformation processes in recent years. An increased willingness to change suppliers can be noticed as consumers are placing more and more importance on price. A strong price awareness is changing market conditions in many business sectors in Germany. Decreasing customer loyalty forces universal banks to push sales activities and to intensify their personal relationship with the customer. The main objectives of this dissertation are the following: Work out a strategy within today s typical structure as a universal bank. Identify key success factors and evaluate this strategy for its chances for success. Derive the consequences for the future business model of a cooperative bank. Determine the change steps necessary to strengthen the competitiveness. Furthermore, the prerequisites of such a change process will have to be worked out. An inductive approach was chosen to achieve the aims of this thesis (Gill & Johnson). Firstly, an in-depth analysis of existing literature was carried out in order to gain an overview on current developments such as a) customer behaviour, and b) the competitive situation of the financial services sector. The results were to produce not only an explanation for current trends but also allow the prediction of future trends over the course of the next years. The environment in which cooperative banks are operating was described in detail. This approach provides a good basis to identify the relevant factors and to work out the necessary consequences for cooperative banks. In order to examine possible conclusions, interviews with 12 experts in the field were conducted. The target groups were CEOs of cooperative banks and representatives of cooperative bank associations. It is those people who are confronted with new challenges [...]
Financial Competition Risk And Accountability
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Author : S. Frowen
language : en
Publisher: Springer
Release Date : 2016-04-30
Financial Competition Risk And Accountability written by S. Frowen and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-30 with Business & Economics categories.
Recent decades have seen a sharp increase in financial competition, intensified by globalisation. Excessive risk-taking leading to inevitable business failures at times reached worrying proportions. A contributing factor arose from the complexities of the derivative and other new markets. This volume attempts to analyse and explain financial market developments at the turn of the millennium with the emphasis on the need for greater responsibility and a more ethical approach to financial decision-making.
Competitive Strategies In European Banking
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Author : Jordi Canals
language : en
Publisher: Oxford University Press, USA
Release Date : 1993
Competitive Strategies In European Banking written by Jordi Canals and has been published by Oxford University Press, USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Banks and banking categories.
Profound changes have taken place in the role of banking in developed countries in recent years and further important structural alterations will doubtless follow. This study of European banking is the first to survey both the changing structure of the commercial banking industry in Europe and the strategic implications of these changes. The book begins by concentrating on the industrial economics of banking, presenting an analysis of the principal environmental forces affecting the financial sector: deregulation, economic instability, automation, and financial innovation. The second part offers valuable information on current trends in the five main EC countries. The analysis of each country includes a study of the recent evolution of its financial sector; and an overall assessment of the outlook for banking in terms of profitability, costs, productivity, and competition, as well as the changes in the regulatory environment. The third part of the book is dedicated to an analysis of some of the strategic choices of European banks, such as scale, diversification, and internationalization. Finally, the pace of change within the European banking industry is evaluated, as well as how some of the banks are adapting to the new environment.
Comparison Of The Most Important German Commercial Banks
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Author : Andreas Vester
language : en
Publisher: GRIN Verlag
Release Date : 2006-01-20
Comparison Of The Most Important German Commercial Banks written by Andreas Vester and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-01-20 with Business & Economics categories.
Seminar paper from the year 2004 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: A, Indiana University of Pennsylvania, course: Financial Markets & Institutions, 43 entries in the bibliography, language: English, abstract: The German banking industry is a highly regulated market with over 2,200 banks1. These banks are not equal at all. On the one hand, there are private owned commercial banks; on the other hand there exist savings banks, so-called ‘Sparkassen’, as well as ‘Genossenschaftsbanken’ that are equal to credit unions in the U.S. The German banking industry is just at the beginning of a structural change. In the recent past there have been a couple of mergers and bankruptcies within the banking industry. But a big change did not happen yet. In this paper we analyze the four biggest and most important German commercial banks -Deutsche Bank, HypoVereinsbank, Commerzbank, and Dresdner Bank - and their standing within the international banking industry. We examine the profit situation, the credit management, the worldwide role in asset management, as well as mergers and acquisitions during the past few years. Additionally, we expounded possible structural changes and chances within the German banking industry in the near future.