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dc.contributor.authorBusch, Ramonaen
dc.contributor.authorKick, Thomasen
dc.date.accessioned2009-08-28-
dc.date.accessioned2009-09-09T12:00:46Z-
dc.date.available2009-09-09T12:00:46Z-
dc.date.issued2009-
dc.identifier.isbn978-3-86558-540-0en
dc.identifier.urihttp://hdl.handle.net/10419/27767-
dc.description.abstractIn the last few years it has been possible to observe decreasing interest margins for German universal banks. At the same time, institutions increasingly moved part of their business from interest to fee-earning activities. This study analyzes the determinants of non-interest income and its impact on financial performance and the risk profile of German banks between 1995 and 2007. We find empirical evidence that for all German universal banks risk-adjusted returns on equity and total assets are positively affected by higher fee income activities. Additionally, for commercial banks we show that a strong engagement in fee-generating activities goes along with higher risk. In order to analyze possible cross-subsidization effects between interest and fee business we also examine how banks' expansion in fee-based services has affected their interest margin. For savings and commercial banks we find that institutions with a strong focus on fee business charge lower interest margins when credit risk is controlled.en
dc.language.isoengen
dc.publisher|aDeutsche Bundesbank |cFrankfurt a. M.en
dc.relation.ispartofseries|aDiscussion Paper Series 2 |x2009,09en
dc.subject.jelG11en
dc.subject.jelG21en
dc.subject.jelG32en
dc.subject.ddc330en
dc.subject.keywordIncome diversificationen
dc.subject.keywordinterest incomeen
dc.subject.keywordfee incomeen
dc.subject.keywordinterest marginen
dc.subject.keywordtwo-stage least squares estimatoren
dc.subject.stwBankgeschäften
dc.subject.stwDiversifikationen
dc.subject.stwEinnahmenen
dc.subject.stwZinsen
dc.subject.stwHonoraren
dc.subject.stwSchätzungen
dc.subject.stwDeutschlanden
dc.titleIncome diversification in the German banking industry-
dc.typeWorking Paperen
dc.identifier.ppn607861940en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen
dc.identifier.repecRePEc:zbw:bubdp2:200909en

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