savings banks
Demographic Change and Bank Profitability. Empirical Evidence from German Savings Banks
... Most European economies will experience significant demographic changes in the decades ahead. Due to low birth rates, populations are shrinking and ageing at the same time. This paper explores the impact of demographic ...
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Investigating Diversity in the Banking Sector in Europe: The Performance and Role of Savings Banks. CEPS Paperbacks. June 2009
... of savings banks in three countries where they are still prevalent (Austria, Germany and Spain) and where they are disappearing or have already disappeared (Italy and ...of savings banks as ...
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Organisational change and the computerisation of British and Spanish savings banks, 1965 1985
... Scottish savings banks, French-style savings banks created an initial fund to cover set- up costs and unexpected losses through donations and setting up a ...the banks became autonomous ...
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Divergent Paths to a Network World An Approach to the IT from Savings Banks Industry
... the savings banks and the larger commercial ...the savings banks as a means of access to ...(the Savings bank giro/message-switching network) would also serve to support future EFTPOS ...
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Managing technological change by committee: Adoption of computers in Spanish and British savings banks (circa 1960 1988)
... how savings banks managed the process of computerization through ad hoc management committees articulated under the aegis of national associations (with an emphasis on developments in ...Spanish ...
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New 1952 Taxpayers: Mutual Savings Banks, Cooperative Banks and Building and Loan Associations
... New 1952 Taxpayers Mutual Savings Banks, Cooperative Banks and Building and Loan Associations SMU Law Review Volume 7 | Issue 1 Article 2 1953 New 1952 Taxpayers Mutual Savings Banks, Cooperative Bank[.] ...
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Does IT standardization help to boost cost and profit efficiency? Empirical evidence from German savings banks
... in banks and examines its impact on bank ...German savings banks for the years 1996 to 2006. German savings banks are ideally suited for our investigation because of their similar ...
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Savings banks as a state function developed by charity organisation
... That the services of the charitable promoters and honorary officers in instituting the general system of savings banks for the poor, which the State has been so long connected with, and [r] ...
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Organisational change and the computerisation of British and Spanish savings banks, circa 1965 1985
... Scottish savings banks taking a slightly different ...1960s savings banks in general were alert to the need of reform and as a response the Savings Banks of Glasgow, Edinburgh, ...
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Diverging Paths to a Network World: Computerizing Spanish and British Savings Banks, 1960 1990
... By the mid 1980’s, the strategy of the strongest Savings Banks was to take a sharp turn. Once the centralization stage of the process had taken place via the use of communication networks, a new phase of ...
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Does relationship lending promote growth? : Savings banks and SME financing
... An inspection yields several interesting findings: First, we see that firms with a capital intensity in the second quartile (a proportion of fixed assets to total assets of 25%<50%) are in almost every state and every ...
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Industrialisation in savings banks – an empirical analysis using the example of German savings banks
... These empirical results correspond to existing research. Järvinen and Lehtinen (2003) argued that automation enhances process efficiency when efficient quality control mechanisms exist. Pfeiffer (2012) finds that ...
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ICT the Nordic Way and European Savings Banks
... Similarly, the development of an ATM system in the Nordic environment was the result of a series of entrepreneurial initiatives although it experienced some difficulties 8 . Jan Rydh, Director of SPADAB, informed people ...
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Governance in Spanish Savings Banks A Historical Perspective
... the savings banks, the idiosyncratic nature of these features served to accentuate the politicization and lack of control of the managerial ...the savings Banks can takeover banking networks, ...
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The efficiency of Microfinance Institutions compared to Norwegian Savings Banks : Looking outside the industry in the pursuit of Microfinance efficiency and sustainability
... between banks in Norway has contributed to the low cost for savings ...the banks shared the development costs. The banks run on the same system making all banking customers able use the same ...
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Why do savings banks transform sight deposits into illiquid assets less intensively than the regulation allows?
... First, savings banks may be risk-averse and they may not decide on the basis of historical withdrawal rates but rather may take into account that all sight deposits can be withdrawn at ...month, ...
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THE GERMAN SPARKASSEN (SAVINGS BANKS)
... the Savings Banks; yet they are entirely dependent on profit to support their balance sheets, raise equity and thus provide the necessary loan funds for their local ...German banks’ profitability ...
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Building Bankomat: The development of on line, real time systems in British and Swedish savings banks, c 1965 1985
... neighbouring banks about sharing the cost of one big central computer that would eventually hook the terminals at retail branches through ...clearing banks – which as late as the mid-1980s still operated ...
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Capital policy of German savings banks: a survey
... Consequently, savings banks are financially less ...German savings banks cannot increase equity capital by issuing ...for savings banks. According to the trade-off theory, ...
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Depositor Discipline of Mutual Savings Banks in Korea
... mutual savings banks, analysis was divided into three periods: before restructuring of savings banks (2007–2010), restructuring period (2011–2014), and after restructuring of savings ...
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