Income Diversification In The German Banking Industry
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Income Diversification In The German Banking Industry
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Author : Ramona Busch
language : en
Publisher:
Release Date : 2009
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 2009 with categories.
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
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
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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 categories.
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.
Income Diversification In The Chinese Banking Industry Challenges And Opportunities
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Author : Zhixian Qu
language : en
Publisher: Springer Nature
Release Date : 2020-05-26
Income Diversification In The Chinese Banking Industry Challenges And Opportunities written by Zhixian Qu and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-05-26 with Business & Economics categories.
This book provides an overview of the historical financial reforms and regulatory changes in China, highlighting the background to and causes of changes in the income structure of China's banks. It also investigates ongoing concerns with regard to banking diversification in China, and its consequences, amid the global trend of banks’ shift to non-traditional businesses. Focusing on three critical aspects of bank-income diversification, namely the effects on profitability, risk level, and efficiency, it employs the concept of systemically important banks, which describes the scale and degree of influence a bank has in global and domestic financial markets. More importantly, rather than replicating techniques employed in the research on developed markets, it applies several improved methodologies to address bank diversification in the specific context created by China’s unique institutional background and data characteristics, such as GMM-type threshold models and stochastic frontier analysis with the within maximum likelihood estimation. Shedding new light on the current status of income diversification in the Chinese banking sector, this book is a valuable resource for readers in fields such as banking and financial stability. It will also help banking professionals and financial regulatory authorities to better understand the reform of China's financial industry and the future direction of banking.
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.
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.
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.
Bank Performance
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Author : Jacob Bikker
language : en
Publisher: Routledge
Release Date : 2008-10-27
Bank Performance written by Jacob Bikker and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-10-27 with Business & Economics categories.
Economic literature pays a great deal of attention to the performance of banks, expressed in terms of competition, concentration, efficiency, productivity and profitability. This book provides an all-embracing framework for the various existing theories in this area and illustrates these theories with practical applications. Evaluating a broad field of research, the book describes a profit maximizing bank and demonstrates how several widely-used models can be fitted into this framework. The authors also present an overview of the current major trends in banking and relate them to the assumptions of each model, thereby shedding light on the relevance, timeliness and shelf life of the various models. The results include a set of recommendations for a future research agenda. Offering a comprehensive analysis of bank performance, this book is useful for all of those undertaking research, or are interested, in areas such as banking, competition, supervision, monetary policy and financial stability.