Tytuł:

Deposits as a stable source of bank funding. Did the global finance crisis influence the banks’ funding structure?

Tytuł publikacji grupowej:

Argumenta Oeconomica

Autor:

Iwanicz-Drozdowska, Małgorzata ; Penczar, Marta ; Kujawski, Lech ; Liszewska, Monika

Temat i słowa kluczowe:

bank's business models ; deposit funding ; financial crisis

Opis:

Argumenta Oeconomica, 2021, Nr 2 (47), s.19-38

Abstrakt:

The paper analyses the bank-specific and macroeconomic factors which determined the share of deposits in the funding structure of 184 EU listed banks in 2004-2016. The findings show that the global financial crisis (GFC) was one of the main factors that influenced the banks’ funding models. The authors document the banks’ return to funding from retail and corporate deposit markets, reducing the diversity in European banking sectors. The paper reports that the set of determinants affecting the banks’ funding policies were different in the GFC in comparison to periods before and after the crisis. The authors concluded that the influence of the net loans to the total deposit ratio on the deposit to total assets ratio was higher in the crisis period. On the other hand, return on assets had a lower negative impact on the banks’ funding model since they were forced to improve their profitability during the GFC.

Wydawca:

Publishing House of Wroclaw University of Economics and Business

Miejsce wydania:

Wroclaw

Data wydania:

2021

Typ zasobu:

artykuł

Identyfikator zasobu:

doi:10.15611/aoe.2021.2.02

Język:

eng

Powiązania:

Argumenta Oeconomica, 2021, Nr 2 (47)

Prawa:

Pewne prawa zastrzeżone na rzecz Autorów i Wydawcy

Prawa dostępu:

Dla wszystkich zgodnie z licencją

Licencja:

CC BY-SA 4.0

Lokalizacja oryginału:

Uniwersytet Ekonomiczny we Wrocławiu