The Funding Strategies of European Banks: A Discussion

Fabrizio Crespi () and Danilo V. Mascia ()
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Fabrizio Crespi: University of Cagliari
Danilo V. Mascia: University of Cagliari

Chapter Chapter 1 in Bank Funding Strategies, 2018, pp 1-47 from Palgrave Macmillan

Abstract: Abstract The financial turmoil occurred during the last decade has heavily affected the stability of the financial systems and the European economy. Indeed, the implications generated by the crises on the real economy, along with the important regulatory changes affecting banks, have surely had an impact on the behaviour of European banks in regards to their approach towards funding. The analysis of aggregated data for the last ten years confirms the widespread view in the literature that, at least for the largest European economies, retail deposits have acquired an increasing importance in terms of main funding instrument available to the credit institutions. Indeed, banks have progressively replaced wholesale funding in favour of deposits. Moreover, our analysis highlights a decline in the volume of bonds issued by the financial institutions over the last few years.

Keywords: Funding strategies; Retail deposits; Wholesale funding; Bonds (search for similar items in EconPapers)
Date: 2018
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Persistent link: https://EconPapers.repec.org/RePEc:pal:pmschp:978-3-319-69413-9_1

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DOI: 10.1007/978-3-319-69413-9_1

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