Banking Market Conditions And Deposit Interest Rates pptx

... significant at 1%. Banking Market Conditions and Deposit Interest Rates I. Introduction This paper addresses the relationship between conditions in local banking markets and the interest rates offered ... total deposits in urban markets. Small banks have a larger share of deposits in smaller urban markets than in larger urban markets. Banking Market Cond...

Ngày tải lên: 22/03/2014, 23:20

... lending borrowing spreads and interest rates. 4. Deposit insurance, institutions and bank interest rates: data and hypothesis to test 4.1 Data We collect data on economic and financial variables, ... either an indicator of market power or of profitability in this financial segment. Deposit rates can be affected because deposit protection raises demand for deposi...

Ngày tải lên: 15/02/2014, 05:20

... Interest on mortgages-Money market rate Mortgage loans Deposit market Money market rate -Interest on demand deposits Demand deposits Money market rate -Interest on savings deposits Savings deposits ... contractual interest margins for loans as the difference between lending rates and money market rates. For deposits we used the difference between money market rates...

Ngày tải lên: 15/03/2014, 14:20

... offer higher interest rates on deposits, and moreover, a market with more and larger multimarket banks generally sees higher deposit rates at all banks. The literature of multimarket banking is ... local banking market concentration and deposit rates. Here, the authors find that more concentrated deposit markets are characterized by lower deposit rates 2 . T...

Ngày tải lên: 17/02/2014, 03:20

... policy (short-term interest) rates on lending standards and bank risk-taking (Table 2). Then, we compare the impact of short-term and long-term interest rates on lending standards and loan risk-taking ... short-term and long-term interest rates on the softening of lending standards directly and also indirectly in conjunction with securitization activity and banking...

Ngày tải lên: 06/03/2014, 14:20

... bps and −0.18 bps; for foreign banks, they are 2.84 bps and −0.15 bps; for Landesbanks, they are 2.83 bps and 0.50 bps; and for cooperative central banks, they are 4.27 bps and 0.45 bps. Thus Landesbanks ... are 1.66 bps and −0.01 bps; for cooperatives, they are 0.78 bps and −0.87 bps; for foreign banks, they are 0.69 bps and −0.18 bps; for Landesbanks, they are 1.48 bps and...

Ngày tải lên: 15/03/2014, 10:20

... unlimited freedom to set deposit interest rates. Some aggressive banks used high deposit interest rates to fund their risky lending strategies. And the high deposit interest rates of these banks ... greater demands on supervision than it is able to bear, deposit interest rates may be a very useful tool to focus supervisory attention. 18 6) Monitoring and contro...

Ngày tải lên: 22/03/2014, 17:20

... bank interest rates (Cottarelli and Kourelis, 1994): br t = v + φ j br t− j j=1 j* ∑ + γ k mr t−k k=0 k* ∑ + ε t (2) where br and mr are bank and market rates, respectively, and j* and k* ... Belgian loan and deposits markets. Journal of Banking and Finance 31, pp. 259-278. De Graeve, F., De Jonghe, O., Vander Vennet, R., 2004. The Determinants of Pass-Through of...

Ngày tải lên: 22/03/2014, 23:20

... EURIBOR (interbank market interest rate) and loan and deposit interest rates and from 1988 to 2002 Loan and deposit interest rates reported are linear averages of actual interest charged by ... confirms that interest rates are rigid to changes in the money market interest rate and also confirms asymmetries in the speed at which loan or deposit intere...

Ngày tải lên: 15/03/2014, 14:20

... of the interest rate duration and its determinants is of key importance for understanding interest rate dynamics. 3. Bank mergers and the probability of changing bank retail interest rates I ... competition the reaction of the optimal deposit rate to changes in the market interest rates is modified by bank and market characteristics which indicate the market powe...

Ngày tải lên: 15/03/2014, 14:20