This paper measures how both geographical and cultural proximity of bank branches affect household credit choice and pricing. We examine both types of proximity jointly to separately identify the importance of soft information versus alternative mechanisms. Using a detailed household-level...

The paper in hand compares retail banking and the electric energy sector to investigate how digitalisation influences (de)centralisation. Structural similarities of both industries like the direct competition of large international companies (Deutsche Bank and RWE) with locale providers such as...

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...

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...

Despite the introduction of regulatory restrictions and interest rate hikes in H2 2021, retail lending remained one of the fastest-growing segments of the banking market throughout previous year and contributed to growth in banking incomes. Amidst increased sanctions pressure, the government and...

In January-November 2021, retail bank deposits increased slightly and their share in bank liabilities decreased. The factors of the slowdown were: the outflow of funds into the purchase of real estate due to the availability of mortgages; attractive conditions on the stock market; the growth of...

We analyze a large merger in the Dutch banking market during the financial crisis using disaggregated data. Based on a merger simulation model, we evaluate merger-induced changes in the interest rates for savings accounts. We find that the merging banks decreased interest rates by 3 to 5 percent...

We investigate the trade-off between financial stability and competition policy by focusing on the merger of ABN AMRO and Fortis Bank NL in the Dutch retail banking market. The financial crisis delayed the completion of the merger giving rise to anti-competitive behavior in the transitory...

In numerous Central and Eastern European (CEE) countries, the global financial crisis as well as the unpegging of the foreign exchange rate of the Swiss franc (CHF) against the euro amplified the repayment troubles of households with the outstanding CHF-linked debt. In Croatia, the CHF loans...

This paper addresses the question of whether and how public action via civil society and/or government can meaningfully shape industry-wide corporate responsibility (ICR) behaviour. We explore how, in principle, ICR can come about and what conditions might be effective in promoting more ethical...

Service quality and customer satisfaction are parts of factors that influence customer loyalty to bank services. Both are necessary to be fulfilled in order to gain customer loyalty, which in turn maintaining organization survival in the long term. This study aims to (1) examine how service...

In numerous Central and Eastern European (CEE) countries, the global financial crisis as well as the unpegging of the foreign exchange rate of the Swiss franc (CHF) against the euro amplified the repayment troubles of households with the outstanding CHF-linked debt. In Croatia, the CHF loans...

Banking Industry has witnessed a lot of changes in all the of Liberalization. The advent of foreign banks into the country and the licensing of the private sector have created stiff competition within the business. E-CRM’s role is more important for the healthy growth of the banking business...

An ever growing middle class population and rising income levels, combined with the demographic change of smaller household sizes has boosted demand for retail credit. There may exist meaningful inter-linkages among economic indicators and personal finance growth such that the variation in the...

Retail Assets in Banks has grown due to the trend among banks to grow at a much faster space. Unlike the commercial exposures banks manage retail assets on pooled basis. In this paper, we discuss the methodology of creating pools of revolving retail assets. We compare the capital charges...

Banking system are plays vital role in all fields including customers life styles, in addition to this, the COVID pandemic changed the behaviour of customers toward the banking sectors. In this light, it is necessary to understand impact of pandemic towards customers. The study aims at analysing...

The aim of the study is to identify the determinants of customer patronage towards selection and consumption of retail banking outlet and its services. The study attempts to identify the determinants with respect to the bank selection process of retail banking customers. The determinants of...

The main purpose of the paper is to determine to what extent customers are open to digitalization of the retail banking services in Germany and what are the critical factors that impact the decision of customers regarding the use of digital interface post Covid-19 pandemic. The paper determines...

Mr. Ramesh a customer of HDFC Bank read in the newspaper The Times of India on 2nd August 2017 about the repo rate was reduced by the Reserve bank of India, from 625 Basis Points (BP) to 600 basis Points (BP). The newspaper on 2nd August 2017 also mentioned that all banks were expected to follow...

We develop a dynamic, search-theoretic model of bank deposit and loan markets where relationships are bilateral, the demand for liquid assets is microfounded, and consumers are privately informed about their liquidity needs. As the policy rate rises, the deposit spread widens, and aggregate...

This paper investigates empirically the pass-through of money market interest rates to retail banking interest rates in Chile, the United States, Canada, Australia, New Zealand, and five European countries. Overall, Chile's pass-through does not appear atypical. Based on a standard...

The idea of separating retail and investment banking remains controversial. Exploiting the introduction of UK ring-fencing requirements in 2019, we document novel implications of such separation for credit and liquidity supply, competition, and risk-taking via a funding structure channel. By...

A large fraction of households have very little savings buffer and are therefore vulnerable to financial shocks. This paper examines whether a social norm nudge can induce such households to save more. We ran a large-scale field experiment at a retail bank in the Netherlands. We find that...

The objectives of this research were 1) to study the influence of customer relationship management and customer experience quality on customer loyalty of Thai Credit Retail Bank Public Company Limited and 2) to test the role of corporate image as a mediator variable. This is the quantitative...

The slowdown in the growth rate of retail deposits is due to the policy of low rates of the Central Bank of the Russian Federation in 2020 and the introduction of a tax on interest on retail deposits, which came into force in 2021. The increase in the key rate of the Bank of Russia contributed...

The aim of the study is to identify the determinants of customer patronage towards selection and consumption of retail banking outlet and its services. The study attempts to identify the determinants with respect to the bank selection process of retail banking customers. The determinants of...

Retail Banking is a venture variation received by all banks due to actuality there are several solace factors for banks, specifically. Obtaining of a huge purchaser bottom, to choose item benefits, higher rate and productivity, scope for strategically pitching and as much as offer of economic...

This paper has two goals. First, we discuss several emerging approaches to applied welfare analysis under non-standard ("behavioral") assumptions concerning consumer choice. This provides a foundation for Behavioral Public Economics. Second, we illustrate applications of these approaches by...

The question of how retail banks adapt to a changing market place that is driven by disruptive Fintech firms is increasingly becoming important. This is especially critical in East Africa where banks have traditionally had limited presence. This paper examines the impact of digital technologies...

The paper in hand compares retail banking and the electric energy sector to investigate how digitalisation influences (de)centralisation. Structural similarities of both industries like the direct competition of large international companies (Deutsche Bank and RWE) with locale providers such as...