In this paper, we analyze the impact of banks' non-interest income share on risk in the German banking sector for the … on risk significantly differs depending on banks’ overall business model. More specifically, we show banks with retail …-oriented business model such as savings banks, cooperative banks and other retail-oriented banks become significantly more stable if …

the literature, we include a large number of unlisted banks in our sample which represent the majority of banks in the EU …. We show that banks with high rates of loan growth are more risky. Moreover, we find that banks will become more stable if … they increase their non-interest income share due to a better diversification of income sources. The effect, however …

highlight an opposite effect: higher profitability loosens bank borrowing constraints. This enables profitable banks to take …

on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs … maximization and a sustainable provision of financial services to local customers. We find that banks with a public mandate are 25 … percent less cyclical than other local banks. The result is credit supply-side driven and especially strong for savings banks …

individual asset holding data of German banks. I find that those banks operating with tight regulatory constraints pick the … selection allows banks to increase the return on the capital required for an ABS investment by a factor of four. …

We analyze securities trading by banks and the associated spillovers to the supply of credit.Empirical analysis has … been elusive due to the lack of securities register for banks. We use a unique, proprietary dataset that has the … investments of banks at the security level for 2005-2012 in conjunction with the credit register from Germany. Analyzing data at …

. As we show, the first two loss absorption mechanisms unambiguously improve a bank’s stability of funding position. By … uncertainty regarding a bank’s ex post solvency position. Bank managers, investors as well as supervisors and regulators should be …

banks in the time period between 1995 and 2013, before the Basel III liquidity regulation to address excessive maturity …. Using a dataset that contains information on critical events of German banks, we find that financing loans using fewer … customer deposits would have been associated with a higher probability of financial distress for savings banks and credit …

We study how contingent capital affects banks' risk choices. When triggered in highly levered states, going …