Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/235489
Authors: 
Hastenteufel, Jessica
Fuchs, Lena
Year of Publication: 
2021
Series/Report no.: 
IUBH Discussion Papers - Business & Management No. 1/2021
Abstract (Translated): 
The current phase of low interest rates poses major challenges for banks. A continuous decline in the interest result, which is so important for the profitability of banks, has been observed for years, as it is becoming in-creasingly difficult for banks to generate sufficient income from the interest margin. This is partlydue to the European Central Bank's expansive monetary policy. However, other factors, such as advancing digitization, also play a role here. The structure of the German banking market and the mostly strong focus of German banks on interest-bearing business are also increasingly becoming a problem. Still, the question arises, whether the current phase of low interest rates is actually a serious threat to banks or whether they are complaining at a high level.
Subjects: 
Zinsen
Niedrigzinsphase
Banken
Geldpolitik
interest
low interest rate phase
banking
monetary policy
JEL: 
E40
E43
E52
G21
Document Type: 
Working Paper

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