Structures And Trends In German Banking
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Structures And Trends In German Banking
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Author : Michael Koetter
language : en
Publisher:
Release Date : 2004
Structures And Trends In German Banking written by Michael Koetter and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with categories.
In this paper, we investigate the claim that German banks are special compared to banks in other industrialised economies. We show that banks are of particular importance to the German economy - as financial intermediary, as lender to the corporate sector, and as part of the corporate governance system. Further, German banks are supervised by two supervisory institutions and have the highest deposit insurance in the world. And last but not least, German banks are numerous, perform poorly, and are part of a historically grown three-pillar system. Hence, German banks can indeed be characterised as unique when compared to other industrialised economies.
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.
Banking In Crisis
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Author : Dr. oec. Fabian Brunner
language : en
Publisher: tredition
Release Date : 2020-07-06
Banking In Crisis written by Dr. oec. Fabian Brunner and has been published by tredition this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-07-06 with Technology & Engineering categories.
In the foreseeable future, banks as we now know them will cease to exist. In view of the increasingly digital banking business, the pressure on costs and the reduction in vertical integration, the banking industry in the future will be characterized by technologization and specialization and threatened by the influence and capabilities of the BigTechs. There will need to be drastic changes in the competitive situation, the value creation structures and business models of the banking industry; despite the protection provided by banking supervisors and governance regulations, the core functions of banking - the handling of payment transactions and financing - are no longer the unique key functions that have made the banking industry indispensable within an economy to date. The perfect storm seems to be brewing; as Bill Gates already said in 1994 "banking is necessary, banks are not". Banks around the world are striving to find an adequate response. This book starts by providing a well-founded theoretical basis and then analyses the situation, identifies the present shortcomings and problem areas of the banks and outlines possible approaches to solutions.
Structural Trends Of Financial Systems And Capital Accumulation
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Author : Giangiacomo Nardozzi
language : en
Publisher:
Release Date : 1983
Structural Trends Of Financial Systems And Capital Accumulation written by Giangiacomo Nardozzi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1983 with Finance 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
Bank Regulatory Structure
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Author : DIANE Publishing Company
language : en
Publisher: DIANE Publishing
Release Date : 1994-07
Bank Regulatory Structure written by DIANE Publishing Company and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994-07 with Business & Economics categories.
Includes information about the structure and operations of regulatory activities in the Federal Republic of Germany. Describes the German bank regulatory structure and its key participants; how that structure functions, and central bank responsibilities that affect the banking industry. 17 charts and tables.
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.
Fast Forward To Germany S Banking Industry In 2030 Regulations Disrupting The Transformation Process
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Author : Nicole Fauß
language : en
Publisher: GRIN Verlag
Release Date : 2016-03-14
Fast Forward To Germany S Banking Industry In 2030 Regulations Disrupting The Transformation Process written by Nicole Fauß and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-03-14 with Business & Economics categories.
Essay from the year 2015 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 100%, University of Technology, Sydney, language: English, abstract: The financial crisis of 2008 stopped the deregulation and expansion phase that dominated from the 1990s onwards in Europe’s banking industry. Over the last years significantly changes in the regulatory framework of banking have been made worldwide with the new rules of Basel III, CRD IV, Dodd-Frank and Solvency I to minimize the effect of future crises and protect consumers. Banks worldwide were affected by the increase in regulations, leading to a transformation of the banking industry. Instead of focusing on innovation banks spend large amounts on compliance, reporting and supervisory issues. In 2014 Deutsche Bank, Germans leading bank, spend an additional €1.3 billion on new regulatory requirements. Therefore, the degree of regulations in the future will decide whether banks can transform their business successfully, being able to add value to customers and compete with new competitors. This essay deals with the transformation process of the German banking industry to 2030. The essay is divided into four main sections. First it will give an overview of the German banking industry. Then it will outline the major trends and driving forces of the transformation process, followed by the critical uncertainties. The fourth part describes four different scenarios of the German banking industry in 2030 according to the two major critical uncertainties that are the degree of regulations and the type of operating model. In my opinion, a high degree of regulations in combination with a universal operating model is most likely to happen. Therefore, this scenario will be described in more depth. In the end, some conclusions will be derived from the previous scenario analysis on how to survive the transformation process.
Finance Capitalism And Germany S Rise To Industrial Power
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Author : Caroline Fohlin
language : en
Publisher: Cambridge University Press
Release Date : 2007-01-29
Finance Capitalism And Germany S Rise To Industrial Power written by Caroline Fohlin and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-01-29 with Business & Economics categories.
Based on a wide array of data collected by the author, this book uses clear theoretically motivated economic analysis to explain the structure, performance, and influence of universal banks and securities markets on firms during industrialisation. The German universal banks played a significant but not overwhelming role in the ownership and control of corporate firms. Banks gained access to boards via a confluence of their underwriting and brokerage activities, the legal phenomena of bearer shares and deposited voting rights, and the flourishing securities markets of the turn of the twentieth century. In general, bank relationships had little impact on firm performance; stock market listings, or ownership structure, were more important. The findings show that securities markets can thrive within a civil-law, universal-bank system and suggest that financial system complexity can favour rapid industrial expansion.
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 [...]