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 big Chinese state-owned banks came as winners out of the global financial crisis. According to the Banker ranking …, Chinese banks led the global banking profitability ranking through the years from 2008 to 2010 and contributed one fifth of …. However, the low efficiency in Chinese banks is still persistent, as evident in many empirical studies (e.g. Feyzioğlu, (2009 …

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 …

. This paper investigates whether diversification influences banks' investment (credit) policy and profitability. Diversified … banks appear to benefit from “coinsurance,” supply more credit, and seem more profitable. However, diversification does not … diversification may impact banks' credit supply and therefore the real economy …

This paper analyzes the relationship between banks’ divergent strategies toward specialization and diversification of … financial activities and their ability to withstand a banking sector crash. We first generate market-based measures of banks … probability of a sharp decline in a bank’s stock price conditional on a crash in a banking index. Subsequently, the impact of (the …

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

mortgage tax from being levied on borrowers to being levied on banks; (ii) some areas, for historical reasons, were exempt from … smaller number of lending relationships, not working for the lender, or facing less banks in their zip-code, thereby …-full tax pass-through, the tax shift increases banks' risk-taking. More affected banks reduce costly mortgage insurance in case …

We analyze the effect of negative monetary policy rates on banks, using detailed supervisory information from … Switzerland. For identification, we compare changes in the behavior of banks that had different fractions of their central bank … reserves exempt from negative rates. More affected banks reduce costly reserves and bond financing while maintaining non …

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 …

As the euro area has a predominantly bank-based financial system, changes in the composition and strength of banks … developments in banks’ balance sheets, profitability and risk-bearing capacity and analyses their relevance for monetary policy. We …