Search Results - subject_exact:"Sparkasse"

Financial crime, fraud trends and regulatory expectations in the digital era : evidence from the Ghanaian banking industry

Boamah, Collins - 2026

The acceleration of digital financial services in Ghana has transformed the country's banking landscape while simultaneously reshaping its financial crime risk profile. Drawing on insights from the Bank of Ghana (BoG) Annual Fraud Reports, Ghana Association of Banks (GAB) Quarterly Fraud...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015617666

ESG integration and cost efficiency assessment : evidence from GCC banking

Aldousari, Abdullah - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618579

How renewable energy consumption affects economic growth in ASEAN : the role of banking sector

Ha Tran Manh; Nguyen Thi Thuy Ngan - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618679

Repo market networks : dynamics under financial stress

Schöller, Vanessa - 2026

The smooth functioning of the repo market is essential to financial stability. However, the market has faced repeated episodes of stress in recent years. This paper examines the resilience of the euro-denominated repo market during recent episodes of elevated financial stress, drawing on...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618106

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

CBDC and bank money creation

Hwang, Sunjoo - 2026

This paper examines the impact of a retail type of Central Bank Digital Currency (CBDC) on bank lending. While concerns exist that CBDC could reduce bank lending by diverting deposits from commercial banks to the central bank, this paper argues that the relationship between CBDC and bank lending...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015654801

The impact of ownership concentration on bank profitability : a case study of Vietnam

Khanh Pham Thi Kieu; Duyen Pham Thi Bich; Tam Le Thanh - 2026

This article examines the impact of ownership concentration on bank profitability, with the sample of 28 Vietnamese commercial banks in the period 2009-2022. Bank profitability is assessed using both return on assets (ROA) and return on equity (ROE). The main regression methods include the least...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609803

Public savings banks as transformative agents for an eco-social future? : towards a sustainable savings and investment union

Klüh, Ulrich; Naji, Ilia; Ötsch, Silke - 2026 - This version: June 9, 2026

The paper explores whether and how public savings banks can be transformed into meaningful agents of change for a more sustainable financial system. It outlines concrete elements of an ambitious transition program. We take as context the efforts to further integrate European financial markets...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015654674

A bibliometric analysis of bank liquidity creation : international evidence

Sri Lestari; Adawiyah, Wiwiek Rabiatul; Alhimidi, Alfin Faiz - 2026

The purpose of this research is to analyze research trends related to banking liquidity creation, the factors influencing this process, the impact of created liquidity, and the direction for further research. Bibliographic sources were obtained from the Scopus database spanning from 2013 to...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609808

Factors affecting regional bank health and supervisory rating : an exploration

Duffy, Denise; Haubrich, Joseph Gerard; Healy, Christopher - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618932

Beyond banks: trust among the financially underserved

Boel, Paola; Puzzello, Daniela; Zimmerman, Peter - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015619026

Unveiling ESG controversy risks : a multi-criteria evaluation of whistleblowing performance in European financial institutions

Sklavos, George; Zournatzidou, Georgia; Sariannidis, … - 2026

Financial institutions face increased reputational, regulatory, and ethical risks as the frequency and complexity of Environmental, Social, and Governance (ESG) controversies increase. Whistleblowing mechanisms are essential in the context of institutional resilience and the mitigation of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611265

From risk to returns : an analysis of asset quality, financial ratios, and market valuation in Indian banks

Rosario, Shireen; Mavuri, Sudha - 2026

This study investigates the interplay between asset quality, financial ratios, and market valuation in Indian commercial banks over a twelve-year period (2014-2025). Using a hybrid approach combining Structural Equation Modeling, correlation analysis, and trend evaluation, the research examines...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611330

Green lending in a FinTech era : the role of geographic dispersion and internal governance

Liu, Zhaoyan; Fu, Xiaoqing; Wilson, John O. S. - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015568305

Mergers : a study of Irish credit unions

McKillop, Donal G.; Sobiech, Anna; Wilson, John O. S.; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015568322

The effect of economic policy uncertainty on banks : distinguishing short- and long-term effects

Ashraf, Badar Nadeem; Qian, Ningyu - 2026

The interplay between government economic policy uncertainty (EPU) and bank risk remains a key concern in the financial stability literature. This study advances the field by examining the dynamic, time-varying impact of EPU on bank risk, explicitly differentiating between short- and long-term...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611389

Can macroprudential policy for retail banks reduce bank runs? : evidence from WAEMU's banking sector

Aboulaye, Toure Talnan; Moussa, Ouattara Zieh; Kacou, … - 2026

Motivated by the coexistence of retail and wholesale banks with distinct risk profiles under uniform capital regulation, and by the lack of quantitative evidence on whether differentiated capital requirements can reduce bank runs and interbank frictions in low-income monetary unions, this paper...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611530

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

Bank inflation expectations, risk premia and lending behavior

Akgündüz, Yusuf Emre; Bölükbaş, Kübra; Çolak, … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015568344

The relationship between leader-member exchange and team cohesion : a multi-team study in the Croatian banking sector

Bratek, Mark; Hruška, Domagoj; Sertić, Ana - 2026

This study explores the relationship between Leader-Member Exchange (LMX) quality and team cohesion within the Croatian banking sector. Drawing from relationship-based leadership theories, we investigate how the quality of dyadic relationships between leaders and team members influences team...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611780

Digital transformation of the Albanian banking system : the result of the Albanian banking sector digitalization survey 2024

Molishti, Lindita; Topalli, Margerita - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015608948

Examining the nexus of green finance, sustainable performance of banks, and the moderating roles of green HRM and government regulation

Abu Alim, Sad; Khataybeh, Mohammad; Marashdeh, Zyad; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015614043

The role of macroeconomic variables in driving bank profitability in Albania : evidence from a panel mixed frequency approach

Skufi, Lorena; Papavangjeli, Meri; Suljoti, Erjona - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015608949

Is trust about more than just money? : insight into South African banking customers

Petzer, Daniel J.; Roberts-Lombard, Mornay - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015614066

The impact of financial derivatives on European Bank value and performance

Al-Own, Bassam; Al Shbail, Mohannad Obeid; Jaradat, Zaid; … - 2026

Using a panel dataset of 385 European bank-year observations covering the 2012 to 2022 period, this study aimed to investigate the impact of derivatives on bank value and performance. We used bank-level panel data and conducted several multivariate statistical analyses, i.e., ordinary least...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015615248

Bank macroprudential policies and borrower ESG performance

Cui, Jie; Haq, Mamiza; Ongena, Steven; Tan, Eric K. M. - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609765

The effect of a bonus cap on compensation structure in the banking sector

Rutten, Albert; Witteman, Joost - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015611641

Impacts of AI-integrated services and corporate reputation on digitalised banking recommendations : a view of goal-framing theory

Shin, Nina; Son, Jiyoon - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015592811

Market structure, efficiency, and the quest for banking performance : new insights from an evolving banking market

Khan, Naveed; Afridi, Muhammad Asim; Ṭāhir, Muḥammad; … - 2026

This study investigates the impact of market structure on the performance of banks in Pakistan. It explicitly tests two competing hypotheses: the Structure-Conduct-Performance paradigm and the Efficient Structure Hypothesis, providing insights into whether profitability stems from market...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015591155

Risk Propagation in the European Banking System : Amplification Effect from NBFIs and Market Risks

Valderrama, Laura - 2026

This paper applies network analysis to examine the impact of non-bank financial institutions (NBFIs) and financial market stress on contagion risk within the interbank network. Using network-based simulations on euro area banks’ supervisory data, we find that banks’ strong capital and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612591

Influence of ESG on credit growth : moderating effects of Islamic bank and size in MENA

Alhamrani, Aysha; Awoad, Atif; Mohamed Al-Baity - 2026

This study examined how ESG has influenced credit growth across MENA countries/regions and investigated the extent to which bank size and Islamic banking influence this relationship. Using panel data from 42 listed banks across 10 MENA countries (367 bank-year observations from 2010-2023), the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015591160

Intermediation, Interrupted? Bank-Level Analysis of Interest Spreads in Montenegro

Cevik, Serhan - 2026

Financial intermediation in Montenegro has been on a declining trend since independence, with domestic credit to the private sector decreasing from a peak of 86.5 percent of GDP in 2008 to 46.4 percent in 2024. Net interest margin (NIM)—a common indicator of intermediation costs—has remained...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612601

Republic of Slovenia : Selected Issues

2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612676

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Republic of Slovenia : Selected Issues

2024

Book / Working Paper

Republic of Slovenia : Selected Issues

2009

Book / Working Paper

Republic of Slovenia : Selected Issues

2007

Book / Working Paper

Republic of Slovenia : Selected Issues

2006

Book / Working Paper

Sustainability practices and capital costs : evidence from banks and financial technology firms in global markets

Vaitiekuniene, Raminta; Sapkauskiene, Alfreda - 2026

This paper examines the impact of environmental, social, and governance (ESG) disclosure on the cost of capital for banks as well as financial technology companies in Europe, America, and Asia from 2010 to 2024. The study investigates how sustainability affects financing conditions in the two...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015591433

Fintech Competition and Banks’ Shrinking Margins in Brazil

Xu, Rui - 2026

The rise of fintech lenders has intensified competition in the banking industry. This study utilizes Brazilian bank-level data to examine the causal impact of increased competition on commercial banks’ lending rates and profitability. Employing a bank-specific Bartik exposure, constructed from...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612696

Do zombies rise when interest rates fall : a relationship banking model

Herweg, Fabian; Kähny, Maximilian - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015583654

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Do Zombies rise when interest rates fall? : a relationship banking model

Herweg, Fabian; Kähny, Maximilian - 2022

Book / Working Paper

Do Zombies Rise When Interest Rates Fall? A Relationship Banking Model

Herweg, Fabian; Kähny, Maximilian - 2023

Book / Working Paper

Do Zombies Rise When Interest Rates Fall? A Relationship Banking Model

Herweg, Fabian; Kähny, Maximilian - 2022

Book / Working Paper

Lending to vulnerable households and consumption : evidence from Korea

Lee, Jieun; Shim, Ilhyock - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015613792

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Lending to vulnerable households and consumption : evidence from Korea

Lee, Jieun; Shim, Ilhyock - 2026

Book / Working Paper

Sustainability transparency in the banking sector

Makarenko, Inna; Steiner, Bodo - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015605123

Riding the wave of fintech, broad money growth and population dynamics : exploring its impact on ASEAN bank stability

Shah, Syed Faisal; Mehmood, Waqas; Mahfuzur Rahman; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015625383

Open banking and financial inclusion in South Africa

Nanziri, Lwanga Elizabeth; Gbahabo, Paul Terna; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015615246

Satisfaction and trust in banks on the housing loan market

Czechowska, Iwona Dorota; Paduszyńska, Marta - 2026

The interest in consumer attitudes and role in economic and social life becomes increasingly evident among the representatives of economic sciences and has become a focal point in the financial industry. This issue is not only important for financial institutions in terms of building long-term...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015625927

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

Customer-facing technologies and banks' macroeconomic information production

Chen, Wilbur; Kang, Jung Koo; Kim, Sehwa; Lin, Ling - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015597244

The weakest link : sibling dynamics and bank failures in multi-bank holding companies

Ozdemir, Nilufer - 2026

This paper examines bank failures during the subprime mortgage crisis, emphasizing sibling dynamics within multi-bank holding companies (MBHCs). While traditional risk indicators effectively predict failures for one bank holding companies (OBHCs), they exhibit limited explanatory power for...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015626070

Bank branches and the allocation of capital across cities

Bordeu, Olivia; González, Gustavo; Sorá, Marcos - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015591109

Change management mechanism and its effect on the performance of banks

Dumevi, Andrews Yao; Zhuo, Zhang Peter; Mfiya, Fanny Lunga - 2026

Banks in Ghana operate in a constantly evolving regulatory environment, making the management of regulatory changes critical to their survival and performance. Guided by institutional theory, this study assessed how banks effectively managed regulatory changes, focusing on the rise in minimum...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015627311

When banks and insurers move together : why systemic risk lives in the tails?

Benlaghaa, Noureddinne; Shafiqa, Fahad; Al-Derhamand, … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015592004

Detecting cyber fraud in banking transactions via machine learning techniques : implications for financial stability

Konsta, Lamprini; Dimitriou, Dimitrios; Papathanasiou, … - 2026

This study empirically investigates the performance of Elastic Machine Learning, an industrial, unsupervised anomaly detection tool, in the identification of fraudulent behavior in banking transactions. Using AI-generated datasets that were designed to simulate realistic banking environments,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628409

Do lenders price diesel risk? : evidence from Dieselgate and low-emission zones in captive vs. independent banks

Beyene, Winta; Falagiarda, Matteo; Ongena, Steven; … - 2026

Transitioning to a sustainable economy and reducing air pollution hinge on appropriate economic incentives and financing conditions. The auto loan market offers a prime setting, as lenders' credit terms can either discourage or incentivize the purchase of high-pollution vehicles. Using...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641397

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Do lenders price diesel risk? : evidence from Dieselgate and low-emission zones in captive vs. independent banks

Beyene, Winta; Falagiarda, Matteo; Ongena, Steven; … - 2026

Book / Working Paper

From threat to opportunity : digital infrastructure and bank adaptation to cryptocurrency cycles-global evidence

Martens, Wil - 2026

As cryptocurrencies evolve from niche assets to systemic financial components, the banking sector faces a strategic dilemma: displacement or adaptation. Using 27,510 bank-year observations from 2014 to 2023 across thirty-two economies, predominantly within the European banking sector, this study...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628489