Search Results - subject_exact:"Depositengeschäft"

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://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://ebvufind01.dmz1.zbw.eu/10015568333

Beyond hot money : brokered deposits and bank funding stability

Dagher, Jihad C.; Fuster, Andreas - 2026

Persistent link: https://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://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://ebvufind01.dmz1.zbw.eu/10015592766

The dark side of bank branch closures

Kladakis, George; Skouralis, Alexandros - 2026

Persistent link: https://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://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://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://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://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://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://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://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://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://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://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://ebvufind01.dmz1.zbw.eu/10015665666

Transmission of negative interest rates : reversal or amplification?

Schäfer, Jan-Lukas - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015675770

Bank monopsony power and stock market spillovers on deposit markets

Huang, Teng - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060741

Mutual-to-stock conversions and depositor welfare : evidence from US savings banks

Girotti, Mattia; Meade, Richard - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060745

The impact of bank switching costs : evidence from a regulatory reform

Frenkel, Sivan; Segev, Nimrod - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016074476

Reaching for duration

Mertens, Thomas; Paul, Pascal; Schneider, Andrés - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016083848

Amplifying transmission of monetary policy through deposit competition

Beriša, Bono; Mužić, Ivan; Zrnc, Jurica - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015671483

Uninsured deposits and bank stock returns

Bao, Jack; Hong, Claire Yurong; Hou, Kewei; Nguyen, Thien T. - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016071096

Deposit specialization and lending behavior

Blickle, Kristian; Parlatore, Cecilia; Saunders, Anthony - 2026 - Revised July 2026

Using granular supervisory data on deposits, loans, and securities for the largest U.S. banks, we document persistent differences in depositor structures that directly shape asset structures. Retail-depositor oriented banks, for instance, enjoy cheap and stable funding. They thus hold...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015558093

Expected inflation and saving in categories

Krüger, Jacqueline; Dinger, Valeriya - 2026

This paper examines how inflation expectations relate to household saving behavior across saving categories. We apply a generalized ordered logit model to survey data from 4, 824 German households during a high inflation period (March 2023). We find that income and precautionary motives dominate...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016059757

DeFi-ying the Fed? : monetary policy transmission to stablecoin deposit rates

Barbon, Andrea; Barthélémy, Jean; Nguyen, Benoit - 2026

Does the Federal Reserve's monetary policy influence the rates on USD-pegged stablecoins? While major stablecoin issuers do not pay interest, investors can earn returns by depositing stablecoins in Decentralized Finance (DeFi) protocols. We document unusually large and persistent spreads between...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016090923

Non-maturity deposit risk under interest rate stress : a behavioral modeling framework

Cappellina, Luca; Sartore, Domenico - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015654875

Disappearing bank Branches : evidence from China household finance survey

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015330616

The Dynamics of Retail Deposit Balances

Argyle, Bronson; Iverson, Benjamin; Kotter, Jason D.; … - 2026

We investigate the dynamics of household deposits using account-level data from 12 million accounts across 154 U.S. credit unions. Significant skewness in the retail deposit distribution-with 10% of depositors controlling 70% of total deposits-means large-balance accounts drive aggregate retail...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015593817

Bank consolidation and uniform pricing

Granja, João; Paixão, Nuno - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015580323

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

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

Persistent link: https://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://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

Analysis of factors affecting deposits of commercial banks

Burkhanov, Aktam U.; Menglikulov, Bakhtiyor Yu.; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015637606

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://ebvufind01.dmz1.zbw.eu/10015337961

Banking on Inattention

Lu, Xu; Wu, Lingxuan - 2026

We demonstrate that depositor inattention gives rise to banks' deposit market power. Using transaction-level data on millions of U.S. depositors, we document that unscheduled income remains in low-rate accounts much longer than scheduled income, and interpret this reaction-time gap as...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015593857

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 rate 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://ebvufind01.dmz1.zbw.eu/10015339711

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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

Bank Opacity and Deposit Rates

Babus, Ana; Farboodi, Maryam; Stockler, Gabriela - 2026

Banks face a dual mandate of raising cheap deposits while avoiding liquidity risk. We propose a novel mechanism whereby banks use portfolio opacity to meet this objective. Specifically, banks choose opaque portfolios to secure cheap long-term funding while trading off insolvency and illiquidity....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015593692

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://ebvufind01.dmz1.zbw.eu/10015358910

Valuing Sticky Deposits

Fleckenstein, Matthias; Kundu, Shohini; Longstaff, … - 2026

We develop a formal fixed-income framework to value sticky deposits. This framework provides closed-form expressions for deposit values and allows us to study the impact of stickiness on deposit interest-rate and runoff risks. The duration of a bank deposit can be either positive or negative,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015593715