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The German Sparkassen Savings Banks
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Book Synopsis The German Sparkassen (savings Banks) by : C. V. J. Simpson
Download or read book The German Sparkassen (savings Banks) written by C. V. J. Simpson and published by Civitas Book Publisher. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Description: Commentators across the political spectrum are pointing to the German system of local banks as a model for Britain to emulate. Much like our own banks, the big German commercial banks cut lending to businesses after the crisis in 2008, but the local German Savings Banks increased their loans, providing vital support for the wider economy in difficult times. In this report, Christopher Simpson explains how these local German Savings Banks (Sparkassen) operate. He describes the history, structure and organisation of the Sparkassen, which are only allowed to lend within a geographically defined area and, as a result, develop close relationships with their customers. They are publicly-owned but independent organisations with the 'common good' objective of supporting sustainable economic development rather than maximising profit.
Book Synopsis Banking on the State by : Mark K. Cassell
Download or read book Banking on the State written by Mark K. Cassell and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Effects of German Economic and Political Progress on the Sparkassen Savings Bank System by : Shaen Corbet
Download or read book The Effects of German Economic and Political Progress on the Sparkassen Savings Bank System written by Shaen Corbet and published by . This book was released on 2020 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the end of World War II, the German banking system underwent many dramatic changes, however, the Sparkassen movement has remained in its current form since 1778. Through its localised structure, it has continued to act as a cornerstone of the German economy, accounting for over a third of banking assets since 1945. This system maintained a considerable presence throughout fragile political movements after the collapse of National Socialism, the reunification of the German state and the implementation of significant economic redevelopment such as the 'Hartz Reforms'. We test these inferences with evidence from the Sparkassen system's influence on German savings, lending and such relationships with real wage growth. We confirm that for much of the post-war era, savings banks have been more stable over time when placed in comparison with commercial banks. We identify a causal link between wages and balance sheets that exist in savings banks and not in commercial banks throughout the post-war era.
Book Synopsis The German Banking System by : Hermann Horstkotte
Download or read book The German Banking System written by Hermann Horstkotte and published by . This book was released on 2001 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Banking on the State by : MARK K. CASSELL
Download or read book Banking on the State written by MARK K. CASSELL and published by . This book was released on 2020-11-30 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Germany's Sparkassen are publicly held savings banks. No other advanced industrial economy relies as heavily on such small, publicly-owned financial institutions to fuel its economy. Mark Cassell explores the unique entity that is the German public banking system and the lessons it offers to banking systems worldwide.
Download or read book Savings Banks International written by and published by . This book was released on 1980 with total page 472 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The German Savings Banks Organisation by : Deutscher Sparkassen- und Giroverband
Download or read book The German Savings Banks Organisation written by Deutscher Sparkassen- und Giroverband and published by . This book was released on 1960 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Investigating Diversity in the Banking Sector in Europe: The Performance and Role of Savings Banks by :
Download or read book Investigating Diversity in the Banking Sector in Europe: The Performance and Role of Savings Banks written by and published by CEPS. This book was released on 2009 with total page 215 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book investigates the merits of a diverse banking system with a special focus on the performance and role of cooperative banks in seven European countries where they are prominent (Austria, Finland, France, Germany, Italy, the Netherlands and Spain). The theoretical and empirical arguments that are developed in this book tend to support the view that it is economically beneficial to have stakeholder-value banks with a dual bottom-line function, such as cooperative banks. For those who accept this premise, it would suggest that policy-makers should not take or support actions that could jeopardise this valuable element of the financial system in various countries in Europe and of the emerging integrated European financial system."--Publisher description.
Book Synopsis Germany by : International Monetary Fund
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.
Book Synopsis The German Banking System by : Hermann Hortskotte
Download or read book The German Banking System written by Hermann Hortskotte and published by . This book was released on 1998 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :International Monetary Fund Publisher :International Monetary Fund ISBN 13 :9781589063488 Total Pages :60 pages Book Rating :4.0/5 (634 download)
Book Synopsis Germany's Three-Pillar Banking System by : International Monetary Fund
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.
Book Synopsis Concentration Risks in the Loan Portfolios of the German Savings by : Dominik Stephan
Download or read book Concentration Risks in the Loan Portfolios of the German Savings written by Dominik Stephan and published by GRIN Verlag. This book was released on 2008-07-08 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2008 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 2,7, University of Hohenheim, course: Risiko in der Ökonomischen Welt, language: English, abstract: 1 Introduction Risk Concentration in loan portfolios endanger the safeness of banks and reduce their profitability. Savings Banks and Credit Unions, as small banks which are specialized on geographic regions, are supposed to show high risk concentration in their loan portfolios and perform weakly. This paper will analyse the consequences of the “Regional Principle“ of the German Savings banks and Credit Unions on the risk concentration in their loan portfolios. One main subject is to show the positive and negative impacts of both strategies, specialization and diversification, on risk concentration, and to explain under which circumstances a bank should decide to specialize or to diversify. Furthermore possibilities will be presented to profit from both strategies thanks to credit risk tranfer by new financial products. The Regional Principle, its origin and and how it determines the strategy of Savings Banks and Credit Unions will be observed in the first part. Further I will explain why they can be considered as a homogenous group of banks. Within the second part will be presented the importance and the sources of concentration risks. Under which circumstances a Financial Institute should specialize or diversify, advantages and disadvantages and the trade off between both strategies will be presented in chapter three. As Savings Banks and Credit Unions would be better off within a regional diversification strategy, in chapter five will be presented the possibility of diversification under the use of derivatives and asset backed securities. Finally the paper will end with a conclusion considering results in wider context of Savings Banks and Credit Unions.
Download or read book Banks Modernize the Economy written by and published by . This book was released on 1998 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial System of Germany by : Bikal Dhungel
Download or read book Financial System of Germany written by Bikal Dhungel and published by GRIN Verlag. This book was released on 2011-04-28 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2010 in the subject Economics - Finance, grade: 1,0, University of East London, course: International Financial Markets and Institutions, language: English, abstract: Germany is a central European country with fourth largest economy in the world after the US, Japan and China. It has 82 million consumers and has a nominal GDP of $ 3.352 trillion. Financial system in Germany is a traditional banks based system. Firms still rely on banks instead of capital markets. In this paper we will analyze the banking system of Germany, its main institutional investors, the Stock and Bond markets and finally the affects of financial crisis in financial sectors and the implementation of Basel II nationally.
Book Synopsis The German Savings Banks Organisation by :
Download or read book The German Savings Banks Organisation written by and published by . This book was released on 1965 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bank Capital and Bank Lending. Evidence from Germany by : Lai Chu
Download or read book Bank Capital and Bank Lending. Evidence from Germany written by Lai Chu and published by GRIN Verlag. This book was released on 2021-01-27 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelorarbeit aus dem Jahr 2019 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,0, Johann Wolfgang Goethe-Universität Frankfurt am Main, Sprache: Deutsch, Abstract: This bachelor’s thesis is dealing with the relationship between Capital Ratios and lending behaviour of banks with the focus on the German banks. After the financial crisis in 2008/9, the assets of banks took severe losses and threatened the banks on the brink of bankruptcy. Afterwards the regulation of banks and its capital ratios became stricter. This regulation and requirement have an impact on the lending behaviour of banks and forced them to rethink the construction of their assets due to the maintaining of a regulated capital ratio. There are two different ways on approaching it. The first is by either adjusting their risk-weighted assets or the second is by increasing their levels of regulatory capital. This approaches led to different lending behaviours of the banks because loans are a main component of risk-weighted assets and assets in general. Nowadays there is a debate whether the new regulation is the reason why banks are lending less money than in the past and three scientific papers, which will be reviewed, have different arguments and different perspectives. The goal of this thesis is to take a look on assets, loans and capital ratios of German banks, compare and analyse them throughout the years in order to give an answer on the question whether capital ratios and the requirements have an impact on the lending of these banks. The first step is to give some insights about the definitions of the reviewed bank types in Germany and their business models, different ratios and their structure and how they are connected to the regulatory standard Basel III. Secondly, I will give a literature review and then the thesis will give an examination of a given data set about German banks. I lay my focus on the commercial banks and the so called “Sparkassen” (savings banks in Germany). By working with them, I want to find out a correlation between capital ratios and loan growths and provide a descriptive statistic about my calculations. I will also distinguish between small and large banks and analyse them separately in order to see if their behaviours differ from each other and if we are able to conclude that the size of their assets matters. In the end, the thesis will provide an analysis, which also involves the findings of the papers, of the results I found out and I will see if my analysis and thesis are agreeing with the statements of the papers.
Book Synopsis Comparison of the Most Important German Commercial Banks by : Andreas Vester
Download or read book Comparison of the Most Important German Commercial Banks written by Andreas Vester and published by GRIN Verlag. This book was released on 2006-01-20 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2004 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: A, Indiana University of Pennsylvania, course: Financial Markets & Institutions, language: English, abstract: The German banking industry is a highly regulated market with over 2,200 banks1. These banks are not equal at all. On the one hand, there are private owned commercial banks; on the other hand there exist savings banks, so-called ‘Sparkassen’, as well as ‘Genossenschaftsbanken’ that are equal to credit unions in the U.S. The German banking industry is just at the beginning of a structural change. In the recent past there have been a couple of mergers and bankruptcies within the banking industry. But a big change did not happen yet. In this paper we analyze the four biggest and most important German commercial banks -Deutsche Bank, HypoVereinsbank, Commerzbank, and Dresdner Bank - and their standing within the international banking industry. We examine the profit situation, the credit management, the worldwide role in asset management, as well as mergers and acquisitions during the past few years. Additionally, we expounded possible structural changes and chances within the German banking industry in the near future.
