Resolution and Depositors' Trust: An Empirical Analysis of Three Resolution Cases in Poland

Małgorzata Iwanicz-Drozdowska, Lukasz Kurowski () and Bartosz Witkowski
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Lukasz Kurowski: SGH-Warsaw School of Economics, Poland

No 1, IADI Sponsored Papers from International Association of Deposit Insurers

Abstract: This paper aims to evaluate the role of depositor-specific features in the behaviour of depositors in bank resolution processes. The study is based on a telephone interview conducted with 1,000 Poles, including customers of banks that have undergone resolution in recent years and basic statistics of resolved banks. We empirically verified which factors were significant for the decision on deposit non-withdrawal, which helps to avoid bank runs. Our findings indicate that trust in public institutions and the experience gained with age play a key role in overall depositors' behaviour. However, for resolutions, declared trust is replaced by objective, casespecific trust based on information about the resolution process and its consequences.

Keywords: deposit insurance; bank resolution (search for similar items in EconPapers)
JEL-codes: G21 G33 (search for similar items in EconPapers)
Date: 2022-02
New Economics Papers: this item is included in nep-ias and nep-tra
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Journal Article: Resolution and depositors’ trust empirical analysis of three resolution cases in Poland (2023)
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Persistent link: https://EconPapers.repec.org/RePEc:awl:spopap:1

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