Search Results - subject_exact:"Deposit banking"

Digital banking and the evolving monetary policy transmission

Budnik, Katarzyna - 2026

This paper maps the euro-area digital-banking segment and assesses how digital banks transmit monetary policy relative to brick-and-mortar peers. I compile a hand-checked universe of over 170 digital banks (2016-2025) from supervisory data, classifying institutions by business model (e-retail,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015618109

Risky tweets in quiet times : social media attention and bank deposit flows

Gam, Yong Kyu; Liu, Chunbo; Xu, Yongxin - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015568333

Beyond hot money : brokered deposits and bank funding stability

Dagher, Jihad C.; Fuster, Andreas - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609791

Monetary policy, deposit funding shocks, and bank credit supply : bank-level IV evidence

Xu, Chenning - 2026

This paper examines how monetary tightening transmits to bank credit supply through deposit funding conditions during the 2022-23 cycle. Using a quarterly panel of more than 3,800 US commercial banks, it constructs predetermined exposure indices measuring depositor sophistication, branch...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015614173

Do banks respond to their friends' markets? : social spillovers in deposit pricing

Anyphantakē, Sophia; Avramidis, Panagiotis; Martynova, … - 2026

We study how deposit rate shocks transmit across banking markets through digital social ties. Depositors' inattention implies that households react to outside rate changes only when social networks make these changes salient, inducing connected banks to raise their own rates. Using merger-driven...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015592766

The dark side of bank branch closures

Kladakis, George; Skouralis, Alexandros - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604149

Stablecoins vs. tokenized deposits : the narrow banking debate revisited

Huang, Xuesong; Keister, Todd - 2026 - Revised February 2026

We study how the type of money used in blockchain-based trade affects interest rates, investment, and welfare. Stablecoins in our model are backed by safe assets, while banks issue deposits (both traditional and tokenized) to fund a portfolio of safe and risky assets. Deposit insurance creates a...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604653

CBDCs and liquidity risks : evidence from the SandDollar's impact on deposits and loans in the Bahamas

Giraldo-Gordillo, Francisco Elieser; Bustillo Mesanza, … - 2026

This study evaluates the early impact of Central Bank Digital Currencies (CBDCs) on key financial indicators in The Bahamas, focusing on the introduction of the SandDollar-the world's first fully implemented retail CBDC. Using the Synthetic Control Method (SCM), the analysis constructs...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628744

At cross-purposes : how prudential and monetary rate policies create asymmetric frictions in the banking sector

Widiyanti, Shandra; Siregar, Hermanto; Ratnawati, Anny; … - 2026

Indonesia's financial system is bank-centric, with banks managing approximately 78% of the nation's financial assets; therefore, the effectiveness of monetary policy transmission depends on banks' responsiveness to the central bank's interest rate policy (the BI Rate). However, a policy-relevant...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639037

Evaluating the effectiveness of Standing Deposit Facility in preserving the interest rate corridor floor in Nepal

Sapkota, Victor Kumar - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015655742

Central bank digital currencies : digital Euro and its implications for uncovered and covered deposits

Calosci, Mattia; Crisafulli, Antonino; Giantomassi, Mattia - 2026

The introduction of central bank digital currencies ("CBDCs")-notably the digital euro-stands to reshape the financial system's structure. This study initially conducts a comparative analysis of household deposit outflow across the Eurozone, the United Kingdom, Canada, and China, before focusing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015652077

Insurance and assurance : government interventions and depositor behavior in crisis

Atmaca, Sumeyra; Kirschenmann, Karolin; Ongena, Steven; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015652622

Measuring interregional fund flows in a dollarized economy : evidence from branch-level data of deposits and loans in Cambodia

Aiba, Daiju; You, Vithyea - 2026

Partial dollarization is a significant phenomenon in the banking sectors of many developing countries, yet evidence on its spread through bank branch networks remains scarce. This paper investigates interregional capital flows within Cambodia's banking system, characterized by the coexistence of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015637212

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Measuring interregional fund flows in a dollarized economy : evidence from branch-level data of deposits and loans in Cambodia

Aiba, Daiju; You, Vithyea - 2024

Book / Working Paper

The anatomy of transmission : pass-through of market rates to bank deposit rates in the euro area

Kakes, Jan; Samarina, Anna - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015668636

The digitalisation of banking and social media : implications for deposit pricing

Brei, Michael; Cornelli, Giulio; Gambacorta, Leonardo; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015668393

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The digitalisation of banking and social media : implications for deposit pricing

Brei, Michael; Cornelli, Giulio; Gambacorta, Leonardo; … - 2026

Book / Working Paper

Deposit funding, market power and monetary policy transmission

Auer, Simone; Conti, Antonio M.; Farroni, Paolo - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015669477

Local political uncertainty and branch banking : evidence from deposit rate setting

Cotter, John; Gam, Yong Kyu; Hu, Yi - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015665666

Disappearing bank Branches : evidence from China household finance survey

Wang, Qi; Liu, Ming; Xie, Kai - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015330616

Caudillo banking : political instability and banking fragility in Mexico, 1925-1929

Dávalos, Jorge; Flores Zendejas, Juan; Nodari, Gianandrea - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015337355

Deposit and Credit Reallocation in a Banking Panic : The Role of State-Owned Banks

Acharya, Viral V.; Das, Abhiman; Kulkarni, Nirupama; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015337852

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Deposit and Credit Reallocation in a Banking Panic : The Role of State-Owned Banks

Acharya, Viral V.; Das, Abhiman; Kulkarni, Nirupama; … - 2022

Book / Working Paper

Deposit and credit reallocation in a banking panic : the role of state-owned banks

Acharya, Viral V.; Das, Abhiman; Kulkarni, Nirupama; … - 2022

Book / Working Paper

Deposit and Credit Reallocation in a Banking Panic : The Role of State-Owned Banks

Acharya, Viral V.; Das, Abhiman; Kulkarni, Nirupama; … - 2022

Book / Working Paper

The zero lower bound on deposit rates, monetary policy and bank insolvency risk

Driussi, Lorenz - 2025 - This version: March, 2025

I develop a banking model with monopolistic competition to analyze the effect of reserve rate policy on bank insolvency risk, when banks are constrained by a zero lower bound on deposit rates. When binding, the lower bound compresses the solvency relevant deposit spread and causes it to be a...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015337961

Banking in the negative : a vector error correction analysis of bank-specific lending and deposit rates

Agati, Alessandra; Sigmund, Michael - 2025

We analyze the impact of negative reference rates on the interest behavior of more than 500 Austrian banks from 2009Q1 to 2021Q4. Using panel vector error correction analysis with the Engle-Granger procedure in two steps, we establish a cointegration vector that links bank-specific lending...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015183164

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Banking in the negative : a vector error correction analysis of bank-specific lending and deposit rates

Agati, Alessandra; Sigmund, Michael - 2025

Book / Working Paper

An integrated risk management methodology for deposits and loans

Hackworth, Gregory R.; Tian, Weidong; Vandenberg, Michael R. - 2025

This paper presents an integrated risk management methodology for measuring and managing the economics, risks, and financial resources/constraints related to deposits and loans in a commercial bank. Within a comprehensive and integrated framework, we develop valuation and risk models for all...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015358910

Multimarket contact, competition, and performance : an application to Turkish deposit banks

Doğan Başar, Berna; Ekşi, İbrahim Halil - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015359762

Back to bank : digital currency, deposits’ substitution and credit

Apaa Okello, Jimmy; Musoke, Samuel Namwanya; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015417865

On the optimality of the deposit insurance premium

Maldonado, Wilfredo Leiva; Borges, Wesley Augusto de Freitas - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015420446

Dynamic competition for sleepy deposits

Egan, Mark L.; Hortaçsu, Ali; Kaplan, Nathan; Sunderam, Adi - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015463797

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Dynamic Competition for Sleepy Deposits

Egan, Mark L.; Hortaçsu, Ali; Kaplan, Nathan A.; … - 2025

Book / Working Paper

NMDs logistic regression model

Cappellina, Luca; Sartore, Domenico - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015464272

Monetary policy and bank funding costs : patterns and predictability in the transmission of the policy rate to U.S. banks' funding costs

Dias, Daniel; Scott, Sophia C. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015471430

Return spillovers between Islamic and conventional banking rates : evidence from emerging Islamic countries

Gök, Remzi; Hammoudeh, Shawkat; Ajmi, Ahdi Noomen; … - 2025

This study examines return connectedness and spillover shock effects between Islamic profit-sharing rates (PSR) and conventional deposit rates (DPR) of banking sectors across various maturities in Türkiye and Malaysia. Overall, financing rates with various maturities in Türkiye act as...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015472344

Friends or foes? : Banks’ deposits and digitalization during monetary tightening

Ciocchetta, Federica; Gallo, Raffaele; Magri, Silvia; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015450722

Mind the app : do European deposits react to digitalisation?

2025

The March 2023 banking turmoil has intensified discussions whether social media and the digitalisation of finance have become significant factors in driving severe deposit outflows. We introduce the concept of deposits-at-risk and utilize quantile regressions for disentangling determinants of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015452969

Bank lending and deposit crunches during the Great Depression

Mitchener, Kris; Richardson, Gary - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015453449

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Bank Lending and Deposit Crunches during the Great Depression

Mitchener, Kris; Richardson, Gary - 2024

Book / Working Paper

The uninsured deposit premium

Dias, Daniel; Schmidt-Eisenlohr, Tim - 2025

We estimate the uninsured deposit premium - the difference between the rates paid on uninsured versus insured deposits - by linking observed average deposit rates to an estimated share of uninsured deposits. Using U.S. bank data from 1991 to 2025, we show that the average uninsured deposit...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015455586

Bank profitability and central bank digital currency

Bellia, Mario; Calès, Ludovic - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015405680

Deferred tax asset revaluations, costly information processing, and bank deposits : evidence from the tax cuts and jobs act

Mohrmann, Ulf; Riepe, Jan - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015409699

Influence of firm attributes and governance on the quality of sustainability reports of Nigerian deposit money banks

Olagunju, Adebayo; Olorede, Titilope; Aderemi, Abdulazeez; … - 2025

Companies are under pressure to conduct their business more transparently by presenting reports other than traditional financial statements. The disclosure of non-financial activities in relation to firms' environmental and social impact is expected to influence firm performance and valuation....

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015411587

Credit economy and payment systems : can a new electronic currency replace bank deposits as a means of payment?

Tomura, Hajime - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015432806

The influence of bank loans and deposits on Ecuador's economic growth : a cointegration analysis

Naula, Freddy; Zamora, Cristian; Gomez, Kevin - 2025

This study examines the relationship between banking sector development (credit and deposits) and economic growth in Ecuador, using quarterly data for the period 2000-2022. An ARDL approach with Bound Test cointegration is employed, incorporating structural breaks using the Bai-Perron test and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015435823

Hand-to-mouth banks : deposit inflows and the marginal propensity to lend

Corell, Felix - 2025

In modern macroeconomics, the marginal propensity to consume out of transitory income shocks is a central object of interest. This paper empirically explores a parallel concept in banking: the marginal propensity to lend out of unsolicited deposit inflows (MPLD). Using county-level dividend...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015439372

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Hand-to-mouth banks : deposit inflows and the marginal propensity to lend

Corell, Felix - 2025

Book / Working Paper

Strategic project : Balakhivka graphite deposit

2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015440166

Bank capital regulation in a zero interest environment

Döttling, Robin - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015457621

Deposit interest rate pass-through in Central and Eastern European countries before and after 2021

Hajnal, Gábor; Dancsik, Bálint; Hosszú, Zsuzsanna; … - 2025

The study analyzes interest rate pass-through for household and corporate deposits in specific markets in the Central and Eastern European (CEE) region, with a focus on the tightening cycle that began in mid-2021. This period is of particular interest to monetary policy, as sharp rate hikes by...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015458373

The transmission of non-banking liquidity shocks to the banking sector

Sarmiento, Miguel - 2025

The increasing interdependence between non-banking financial institutions (NBFIs) and the banking sector conditions the provision of liquidity in the financial markets. This paper evaluates how the market stress associated to the bankruptcy of one of the most interconnected NBFIs in an emerging...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015441532

Geopolitical risk and domestic bank deposits

Kapopoulos, Theodore; Anastasiou, Dimitris; Ongena, Steven - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015426978

Household demand for treasury bonds and time deposits in a small open economy

Łesyk, Michał; Wesołowski, Grzegorz - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015561446

Rules versus discretion in capital regulation

Jermann, Urban J.; Xiang, Haotian - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015567708

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Rules versus Discretion in Capital Regulation

Jermann, Urban J.; Xiang, Haotian - 2025

Book / Working Paper

The impact of deposit dollarization on credit dollarization: evidence of natural hedging and excessive risk-taking channels

Pozo, Jorge - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015568011

Digitalisation, social media and bank deposit dynamics : evidence from the recent euro area monetary tightening

Giuliana, Raffaele; Panfilo, Matteo; Peltonen, Tuomo - 2025

This study sheds light on the impact of digitalisation and social media on deposit flows and rates of euro area banks during the recent period of monetary tightening. Drawing on difference-in-differences analysis of confidential monthly data (12/2019 - 10/2023) of deposit flows and rates as well...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015550425

Mind the app : do European deposits react to digitalisation?

Fascione, Luisa; Jacoubian, Juan Ignacio; Scheubel, Beatrice - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015550960