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Dresden Discussion Paper Series in Economics, Faculty of Business and Economics, TU Dresden >
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http://hdl.handle.net/10419/55036
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| Title: | | Transparency in the banking sector  |
| Authors: | | Broll, Udo Eckwert, Bernhard Eickhoff, Andreas |
| Issue Date: | | 2011 |
| Series/Report no.: | | Dresden discussion paper series in economics 05/11 |
| Abstract: | | The paper revisits the impact of uncertainty on the decision problem of a bank. The bank extends risky loans to private investors and sells deposits to savers at fixed rates. The uncertainty under which deposit/loan-portfolios are chosen by banks is endogenized through an information system that conveys public signals about the return distribution of bank loans. Transparency in the banking sector is defined in terms of the reliability of these signals. We find that higher transparency always raises expected bank profits, but may lead to a higher or lower expected loan volume. Moreover, higher transparency may reduce economic welfare. |
| Subjects: | | market transparency banking firm |
| JEL: | | G21 G32 D81 |
| Document Type: | | Working Paper |
| Appears in Collections: | | Dresden Discussion Paper Series in Economics, Faculty of Business and Economics, TU Dresden
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