German Banking Structure Pricing And Competition

Author : Benjamin H. Dietrich
Publisher : Peter Lang
ISBN 13 : 9783631590225
Total Pages : 252 pages
Book Rating : 4.29/5 ( download)

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Download or read book German Banking Structure, Pricing and Competition written by Benjamin H. Dietrich and published by Peter Lang. This book was released on 2009 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: The German banking system is characterized by high fragmentation, low profitability and low foreign ownership. Main reason for this is its particular structure that can best be described as forced segmentation. This structure produces local banking markets. The book argues that local bank competition is not as pronounced as national concentration ratios predict and presents a bank pricing study which indicates that local banks, banks located in less densely populated areas and less productive banks tend to charge higher prices for retail bank services than banks that operate nationally. These results as well as lessons drawn from international reforms suggest that the German banking system could benefit from cross-pillar consolidation which promises to export competition from the national to local banking markets. Last but not least, the book analyzes political economy implications of banking reforms and provides suggestions on status quo resolution by identifying ways to facilitate reform implementation in the German banking system.

Author : Chrysanth Herr
Publisher : GRIN Verlag
ISBN 13 : 3638710505
Total Pages : 61 pages
Book Rating : 4.03/5 ( download)

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Download or read book Is Germany Overbanked? - Market Structure and Competition written by Chrysanth Herr and published by GRIN Verlag. This book was released on 2007-08 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2006 in the subject Business economics - Investment and Finance, grade: 1,3, European Business School - International University Schlo Reichartshausen Oestrich-Winkel, course: Seminar Retail Banking, 52 entries in the bibliography, language: English, abstract: German banks have come under pressure for their disappointing profitability. Indeed, rankings of developed nations along profitability indicators place Germany at the end of the scale. Critics attribute that situation mainly to the German banking system being overbanked and overbranched. The purpose of this paper is to analyze that notion and to examine the German market and competitive landscape of the retail banking industry. The analysis contains four sections. The first section compares profitability ratios and indicators of German banks to their peers' performances. The study produces surprising results. Despite the ostensibly high branch density, Germany's banks operate very cost efficiently. Yet it is their inability to generate sufficient income that results in the sluggish net earnings. Consequently, in the second section, the authors examine the German banking system and portray and compare its peculiarities in order to find out if the income problems are inherent to the system. More than in any other country, public banks dominate the market and, together with the cooperative banks, do not follow the economic principle of profit maximization. Moreover, the public banks have also received unjust government subsidies in the form of the maintenance and guarantee obligations. Thus, one presumes that private German banks operate in a very difficult system. The third section then takes a closer look at the market and analyzes the bank density, branch density and competition which the system produces. In the past, waves of intra-group consolidations have occurred. Similarly, branch networks have been thinned out especially by the private banks in an effort to cut costs. The r

Author : International Monetary Fund
Publisher : International Monetary Fund
ISBN 13 : 9781589063488
Total Pages : 60 pages
Book Rating : 4.81/5 ( download)

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Download or read book Germany's Three-Pillar Banking System written by International Monetary Fund and published by International Monetary Fund. This book was released on 2004-06-21 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: German banks tend to be less profitable than their foreign counterparts. This paper estimates the likely effect of the phaseout of state guarantees for public sector banks, reviews the various ways in which public policy could contribute to their restructuring, and discusses the various arguments for and against public involvement in banking.

Author : Franz Lennart Wunderlich
Publisher : GRIN Verlag
ISBN 13 : 3346721515
Total Pages : 42 pages
Book Rating : 4.18/5 ( download)

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Download or read book Bank Competition and Stability in the German Banking Market written by Franz Lennart Wunderlich and published by GRIN Verlag. This book was released on 2022-09-12 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2021 in the subject Economics - Finance, grade: 1,0, , language: English, abstract: This paper addresses this issue and examines how bank competition affects their stability in the German market. 317 banks are investigated over the period from 2013 to 2019 using panel data estimation models such as the fixed effects and random effects estimator. In order to get a good understanding of the problem and to design an optimal model, the theoretical basics are explained beforehand. In addition, a detailed discussion of how bank competition and stability can be measured is included in the paper. A special focus will be placed on the Lerner index, the H-statistic, and the Boone indicator (competition measures) as well as the Z-score and non-performing loans (stability measures). Previous empirical results and a description of the main characteristics of the German banking market complete the preparation for the model design and implementation, which are discussed and explained in conclusion.

Author : Jan P. Krahnen
Publisher : OUP Oxford
ISBN 13 : 0191531030
Total Pages : 550 pages
Book Rating : 4.33/5 ( download)

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Download or read book The German Financial System written by Jan P. Krahnen and published by OUP Oxford. This book was released on 2004-03-25 with total page 550 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is both a reference book on Germany's financial system and a contribution to the economic debate about its status at the beginning of the twenty-first century. In giving a comprehensive account of the many facets of the system, it covers corporate governance, relationship lending, stock market development, investor protection, the venture capital industry, and the accounting system, and reports on monetary transmission and the credit channel, regulation and banking competition, the insurance and investment industry, and mergers and acquisitions. Special chapters at the beginning and at the end of the book adopt the financial system perspective, analysing the mutual fit of different features of the financial system; and each of the fifteen chapters addresses particular myths that surround it. The book is invaluable for those who want to understand the German economy and its financial system, promising not only a compilation of facts and statistics on Germany's financial markets and institutions, but also an analysis of its current structure and the determinants of its future development.

Author : International Monetary Fund
Publisher : International Monetary Fund
ISBN 13 : 1463928556
Total Pages : 33 pages
Book Rating : 4.51/5 ( download)

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Download or read book Germany written by International Monetary Fund and published by International Monetary Fund. This book was released on 2011-12-23 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Technical Note focuses on banking sector structure in Germany. Germany’s banking system comprises three “pillars”—private commercial banks, public sector banks, and cooperative banks—distinguished by the ownership structure and business orientation. The German banking system includes a large number of institutions in both absolute and relative terms. This note describes the evolution of Germany’s three-pillar banking system. It analyzes capitalization, credit and the intermediation of savings, and bank profitability and efficiency. It also examines the benefits of public involvement and governance in the banking system.

Author : Claudia M. Buch
Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.34/5 ( download)

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Download or read book Foreign Competition and Disintermediation written by Claudia M. Buch and published by . This book was released on 1999 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Hannah Sabine Hempell
Publisher :
ISBN 13 :
Total Pages : 57 pages
Book Rating : 4.40/5 ( download)

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Download or read book Testing for Competition Among German Banks written by Hannah Sabine Hempell and published by . This book was released on 2002 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: Given the marked reduction in the number of banks in Germany during recent years, the study estimates competitive behavior in the German banking system by applying an empirical method developed by Panzar and Rosse (1987). By estimating the banks' reduced form revenue functions, the sums of their estimated factor price elasticities which constitute the so called H-statistics provide information about banks' competitive behavior. Based on the micro data of banks' balance sheets and profit and loss accounts for the years 1993-1998, the hypotheses of perfect collusion as well as of perfect competition can be rejected by means of panel-econometric estimations. For individual categories of banks significant differences were found with respect to savings banks and cooperative banks, on the one hand, and credit banks, on the other, as well as for several size categories. However, despite the decrease in the number of banks in Germany during the investigated period and a slight increase in concentration during that time, there are no clear indications of a different competitive behavior in the second half of the time period under investigation.

Author : Bonita M. Kolb
Publisher :
ISBN 13 :
Total Pages : 286 pages
Book Rating : 4.15/5 ( download)

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Download or read book The Impact of Global Competition on United States Banking written by Bonita M. Kolb and published by . This book was released on 1993 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Brent Keltner
Publisher :
ISBN 13 :
Total Pages : 356 pages
Book Rating : 4.90/5 ( download)

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Download or read book Divergent Patterns of Adjustment in the U.S. and German Banking Industries written by Brent Keltner and published by . This book was released on 1994 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: