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1 - 4 van 4 voor customer deposits
doc211.pdf
... interconnectedness is rather low, because banks hold their assets to maturity and fund themselves through deposits. the potential for information spillovers is somewhat larger because banks' assets are relatively opaque. ... a soft-budget constraint. once a bank and its customer become locked-in, it may be optimal for the bank to treat its customer leniently when problems arise. because the borrower ...
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L:\publicaties\...\cpbdoc15.wp [PFP#1210200691]
... bank i maximizes (2) by choosing the cournot-nash quantities of deposits and loans , taking the quantities of deposits and loans of competing banks as given, . the first-order conditions ... cost advantage over potential entrants which can deter entry. particularly investments in building up customer goodwill and reputation (advertising, developing a client network) may not be reversible upon exit ...
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new approach measuring competition loan markets euro area pdf
... only if they fulfilled the following conditions total assets, loans, deposits, equity and other non-interest income should be positive; the deposits-to-assets ratio and loans-to-assets ratio should be ... at the local level and have access to a stable and cheap pool of deposits from a loyal customer base. furthermore, savings and cooperative banks are often partly protected from competition, being ...
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Microsoft Word - leuvensteijn.doc
... of the j-th lender. jc represents the real costs of deposits of the j-th lender, and br is the bond rate ... access to additional information from the lender if he has been customer of the bank (e.g. by having an account or a ... lender cost variables banks real price of financial capital interest expense customer short-term funding + other funding - consumer price inflation. source bankscope life ...
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