Niedrigzinsen - Eine echte Gefahr für Banken oder Gejammer auf hohem Niveau!?

Jessica Hastenteufel and Lena Fuchs

No 1/2021, IU Discussion Papers - Business & Management from IU International University of Applied Sciences

Abstract: The current phase of low interest rates poses major challenges for banks. A continuous decline in the interest result, which is so important for the profitability of banks, has been observed for years, as it is becoming in-creasingly difficult for banks to generate sufficient income from the interest margin. This is partlydue to the European Central Bank's expansive monetary policy. However, other factors, such as advancing digitization, also play a role here. The structure of the German banking market and the mostly strong focus of German banks on interest-bearing business are also increasingly becoming a problem. Still, the question arises, whether the current phase of low interest rates is actually a serious threat to banks or whether they are complaining at a high level.

Keywords: Zinsen; Niedrigzinsphase; Banken; Geldpolitik; interest; low interest rate phase; banking; monetary policy (search for similar items in EconPapers)
JEL-codes: E40 E43 E52 G21 (search for similar items in EconPapers)
Date: 2021
New Economics Papers: this item is included in nep-ger and nep-mac
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Persistent link: https://EconPapers.repec.org/RePEc:zbw:iubhbm:132020

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