Artikel
An Analysis of Non-Traditional Activities at German Savings Banks – Does the Type of Fee and Commission Income Matter?
In this paper, we use a fully anonymized dataset provided by the German Savings Banks Association (DSGV) to analyse which savings banks have expanded into fee-producing activities more quickly. In addition, we investigate whether their profitability and stability is correlated with the share of their fee and commission income. Notably, we examine whether the effect on bank profitability differs depending on the type of fee and commission income. Our results support the view that savings banks with low net interest margins are under greater pressure to expand into fee-producing activities. They further suggest that savings banks with a higher share of fee and commission income, in particular from payment services and securities business, also have a higher profitability. The Z-score also correlates positively with the share of securities business income, possibly because it responds to different shocks than net interest income and, therefore, offers a large diversification potential.
- Sprache
-
Englisch
- Erschienen in
-
Journal: Credit and Capital Markets – Kredit und Kapital ; ISSN: 2199-1235 ; Volume: 52 ; Year: 2019 ; Issue: 2 ; Pages: 253-289
- Klassifikation
-
Wirtschaft
Financial Institutions and Services: General
Banks; Depository Institutions; Micro Finance Institutions; Mortgages
Financial Institutions and Services: Other
- Thema
-
Savings Banks
Fee and Commission income
Profitability
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Köhler, Matthias
- Ereignis
-
Veröffentlichung
- (wer)
-
Duncker & Humblot
- (wo)
-
Berlin
- (wann)
-
2019
- DOI
-
doi:10.3790/ccm.52.2.253
- Letzte Aktualisierung
-
10.03.2025, 11:46 MEZ
Datenpartner
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Artikel
Beteiligte
- Köhler, Matthias
- Duncker & Humblot
Entstanden
- 2019
Ähnliche Objekte (12)
An analysis of non-traditional activities at German savings banks: Does the type of fee and commission income matter?
An Analysis of Non-Traditional Activities at German Savings Banks – Does the Type of Fee and Commission Income Matter?
Peaceful coexistence? - "traditional" and "non-traditional" conflict resolution mechanisms
Anreizprobleme und Finanzintermediation : traditional versus nontraditional banking
Peaceful Coexistence? 'Traditional' and 'Non-traditional' Conflict Resolution Mechanisms : Research Report
Energy and non-traditional security (NTS) in Asia
Investigation of non-traditional platinum anti-tumor agents
Potential of non-traditional isotope studies for bioarchaeology
Non‐traditional encryption methods: Moving toward electrochemical cryptography
Increasing access of non-traditional students to higher education
Knowledge and non-traditional factors: prospects for doxastic accounts
Increasing access of non-traditional students to higher education
An analysis of non-traditional activities at German savings banks: Does the type of fee and commission income matter?
An Analysis of Non-Traditional Activities at German Savings Banks – Does the Type of Fee and Commission Income Matter?
Peaceful coexistence? - "traditional" and "non-traditional" conflict resolution mechanisms
Anreizprobleme und Finanzintermediation : traditional versus nontraditional banking
Peaceful Coexistence? 'Traditional' and 'Non-traditional' Conflict Resolution Mechanisms : Research Report
Energy and non-traditional security (NTS) in Asia
Investigation of non-traditional platinum anti-tumor agents
Potential of non-traditional isotope studies for bioarchaeology
Non‐traditional encryption methods: Moving toward electrochemical cryptography
Increasing access of non-traditional students to higher education
Knowledge and non-traditional factors: prospects for doxastic accounts
Increasing access of non-traditional students to higher education
An analysis of non-traditional activities at German savings banks: Does the type of fee and commission income matter?
An Analysis of Non-Traditional Activities at German Savings Banks – Does the Type of Fee and Commission Income Matter?
Peaceful coexistence? - "traditional" and "non-traditional" conflict resolution mechanisms
Anreizprobleme und Finanzintermediation : traditional versus nontraditional banking
Peaceful Coexistence? 'Traditional' and 'Non-traditional' Conflict Resolution Mechanisms : Research Report
Energy and non-traditional security (NTS) in Asia
Investigation of non-traditional platinum anti-tumor agents
Potential of non-traditional isotope studies for bioarchaeology
Non‐traditional encryption methods: Moving toward electrochemical cryptography
Increasing access of non-traditional students to higher education
Knowledge and non-traditional factors: prospects for doxastic accounts