The banking industry in the United Kingdom is undergoing transformation. It is subjected to unprecedented regulatory pressure, new digital technologies, increased competition, and an uncertain economic environment. Long-term measures in product design, sales patterns, cost creation, and customer...

To ensure the credibility of market discipline induced by bail-in, neither retail investors nor peer banks should appear prominently among the investor base of banks' loss absorbing capital. Empirical evidence on bank-level data provided by the German Federal Financial Supervisory Authority...

Lending and borrowing interest rates are often slow to adjust to changing capital market conditions. This paper argues that national differences of the pass-through speed in the EU can be regarded as a retail-oriented indicator of financial integration. Based on an ECB database the speed of...