Search Results - subject_exact:"Einlagensicherung"

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

Beyond hot money : brokered deposits and bank funding stability

Dagher, Jihad C.; Fuster, Andreas - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609791

Regulatory responses to the financial stability implications of stablecoins

Bindseil, Ulrich - 2026 - Final version: 11 February 2026

In essence, the currently large stablecoins are electronic money issued by narrow balance sheet vehicles into a distributed ledger (or a "programmable platform"). Many believe that they will have significant success as a new form of money. Members of the current US administration expect that US...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015610715

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

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

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

Did deposit insurance reforms improve liquidity creation? : evidence from Indian banking

Ghosh, Saibal - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015673628

Bank failures : the roles of solvency and liquidity

Correia, Sergio; Luck, Stephan; Verner, Emil - 2026

Bank failures can stem from runs on otherwise solvent banks or from losses that render banks insolvent, regardless of withdrawals. Disentangling the relative importance of liquidity and solvency in explaining bank failures is central to understanding financial crises and designing effective...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015604668

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

Burden-sharing and preventive interventions of deposit guarantee schemes as state aid : "questo matrimonio non s'ha da fare!" (this wedding must not take place!)

Mecatti, Irene - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016070758

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

The “Safe” in the Financial Safety Net : Building Robust Deposit Insurance Systems

Arda, Atilla - 2026

The paper updates IMF staff views on deposit insurance policy issues, which were last comprehensively addressed in 2006 before the global financial crisis and prior to the international standard. Effective deposit insurance systems must be integrated into the financial safety net, have strong...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016087950

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

Common deposit insurance, cross-border banks and welfare

Lóránth, Gyöngyi; Segura, Anatoli; Zeng, Jing - 2026

We study the effects of aligning the incentives of national authorities through the common provision of deposit insurance in a model of cross-border banks with both endogenous risk-taking and within-group risk-sharing. Under national deposit insurance, local authorities inefficiently ring-fence...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016064382

Bank capital and deposit insurance

Dam, Kaniska; Sengupta, Rajdeep - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016091052

Banking issues in focus

Federal Deposit Insurance Corporation - Washington, D.C. : FDIC, Federal Deposit Insurance … - Number 1 (February 2026)-

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016090325

Bank risk-taking and optimal bailout resources

Krause, Andreas - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015486034

The performance of FDIC-identified community banks

Petropoulou, Athina; Pappas, Vasileios; Ongena, Steven; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015324028

Screening with Cash Deposits in Digital Credit Markets

Gertler, Paul J.; Green, Brett; Wolfram, Catherine - 2026

We study a loan contract that requires borrowers to make a temporary cash deposit prior to disbursement, which is fully refunded and does not alter repayment incentives. In a randomized controlled trial with a digital lender, applicants are offered otherwise identical loans with or without a...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015626330

Die Insolvenz von Zahlungs- und E-Geld-Instituten

Koch, Nikolaus C. - 2026

Bargeldlose Zahlungen erfreuen sich in Deutschland einer stetig wachsenden Beliebtheit. Für die Durchführung bargeldloser Zahlungen bedarf es der Einschaltung von Zahlungsdienstleistern. Hierzu gehören neben Kreditinstituten auch Zahlungs- und E-Geld-Institute. Im Gegensatz zu...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015560008

Bank transparency, asset and liquidity risks

Chen, Yehning; Hasan, Iftekhar; Takalo, Tuomas - 2025

We study the effects of bank transparency on both banks' asset and liquidity risks, and ultimately, on banking sector stability and welfare. We show how enhanced bank transparency increases banks' vulnerability to excessive deposit outflows, but this threat of a liquidity crisis incentivizes...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015375845

EU Bank governance and bail-in : a legal and financial analysis on the role of long-term creditors

Martino, Edoardo - 2026

Chapter 1 – Introduction -- Chapter 2 – Bank Governance -- Chapter 3 – The EU Bank Resolution Framework and its Ex-ante Potential -- Chapter 4 - The Legal Framework for Market Discipline and Debt Governance -- Chapter 5 – Financial Contracting in Bail-inable Securities and Debt...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015640760

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

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

Financial market discipline in stability of Sharia banking : evidence from Indonesia state

Sari, Rini Kurnia; Alfarizi, Muhammad - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015675290

Small is beautiful, … and efficient : on the efficiency premium of U.S. community banks

Ongena, Steven; Pappas, Vasileios; Petropoulou, Athina - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015358032

To be or not to be in banking union

Ntellas, Charēs; Papageorgiou, Dimitris - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676530

A comment on "Optimal Deposit Insurance"

Chahine, Julia; DeHaven, Matthew; Greiwe, Moritz; Lee, … - 2025

Dávila and Goldstein (2023) examine the optimal determination of deposit insurance in the case where bank runs are possible. They provide a small set of sufficient statistics to determine welfare impacts of changes in deposit insurance coverage, and apply their framework using US data from...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015192970

Commercial bank money token (CBMT)

George, Claus - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016060861

The Leverage effect of bank disclosures

König, Philipp Johann; Laux, Christian; Pothier, David - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016070570

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

Rushing to judgment and the banking crisis of 2023

Kelly, Steven; Rose, Jonathan - 2025

This article critically reviews the 2023 banking crisis with the benefit of two years of hindsight. We highlight seven facts that depart from the standard account of the crisis that has developed. We describe the crisis as a reaction to bank business models that focused on providing banking...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015325250

Sibling Rivalry in the Financial Safety Net : Governance Arrangements for Bank Resolution and Deposit Insurance

Arda, Atilla - 2025

The technical note and manual "Sibling Rivalry in the Financial Safety Net," authored by Atilla Arda and Jan Nolte, examines the governance structures essential critical for effective bank resolution and deposit insurance functions. Considering the vulnerabilities exposed during the 2008-09...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015328267

On the optimality of the deposit insurance premium

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015420446

Doom loop, trilemma, and moral hazard : which narrative of the banking union did stock market investors buy?

Körner, Tobias; Papageorgiou, Michael - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015422792

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Doom loop, trilemma, and moral hazard : which narrative of the banking union did stock market investors buy?

Körner, Tobias; Papageorgiou, Michael - 2025

Article

Doom loop, trilemma, and moral hazard : which narrative of the banking union did stock market investors buy?

Körner, Tobias; Papageorgiou, Michael - 2024

Book / Working Paper

Regional economic policy uncertainty, implicit government guarantees and bank's risk-taking

Kang, Jingjing; Yang, Hao - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015463203

NMDs logistic regression model

Cappellina, Luca; Sartore, Domenico - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015464272

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

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

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015450722

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://ebvufind01.dmz1.zbw.eu/10015455586

QE, bank liquidity risk management, and non-bank funding : evidence from U.S. administrative data

Darst, R. Matthew; Kokas, Sotirios; Kontonikas, Alexandros - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015406780

Regulation, supervision, and bank risk-taking

Repullo, Rafael - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015410472

The extent to which contingent convertible leasing protects bank deposits : a barrier option approach

Khadimallah, Asma; Abid, Fathi - 2025

This paper proposes an alternative solution to the problem related to the risk that banks incur in the protection of deposits. This solution lies in the use by banks of contingent convertible leasing contracts to face financial distress situations by solidifying their own funds and thus...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015411475