Essays on the European Banks Financial Stability, Profitability, and Efficiency

As a result of the financial crisis of 2007-2008, all banking systems in Europe experienced a complete overhaul. These major changes justify the motives for this research, which has been based on three essays on the European banking sector. The first essay analyses the effects of bank competition on...

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Detalhes bibliográficos
Autor: Neto, José Fernando da Silva
Tipo de documento: tese
Data de publicação:2021
País:España
Recursos:Universidad de Santiago de Compostela (USC)
Repositório:Minerva. Repositorio Institucional de la Universidad de Santiago de Compostela
Idioma:inglês
OAI Identifier:oai:minerva.usc.gal:10347/27260
Acesso em linha:http://hdl.handle.net/10347/27260
Access Level:Acceso aberto
Palavra-chave:Materias::Investigación::53 Ciencias económicas::5304 Actividad económica::530406 Dinero y operaciones bancarias
Materias::Investigación::53 Ciencias económicas::5310 Economía internacional::531006 Financiación internacional
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spelling Essays on the European Banks Financial Stability, Profitability, and EfficiencyNeto, José Fernando da SilvaMaterias::Investigación::53 Ciencias económicas::5304 Actividad económica::530406 Dinero y operaciones bancariasMaterias::Investigación::53 Ciencias económicas::5310 Economía internacional::531006 Financiación internacionalAs a result of the financial crisis of 2007-2008, all banking systems in Europe experienced a complete overhaul. These major changes justify the motives for this research, which has been based on three essays on the European banking sector. The first essay analyses the effects of bank competition on a banks financial stability. Using a sample of 117 listed banks from 16 Western European countries from the period 2011 - 2018, the main findings indicate that an excessive increase in competition tends to generate financial instability, especially in countries where banking systems have low financial stability. In the second essay, the effect of the implementation of negative interest rate policies on the profitability and risk of banks is evaluated. Considering a sample of 2,596 banks from 29 European countries in the period 2011- 2019, the results obtained have led us to conclude that the implementation of a negative interest rate policy reduces the net interest margin and the profitability of most banks, but it does not lead to the adoption of investment strategies with high risk exposure. However, these conclusions are not applicable to all banks, which differ according to the business models adopted by each bank. In the third essay, the impact of adopting socially responsible policies on banking efficiency is analysed. Based on a sample of 108 listed banks from 21 European countries during the period 2011 - 2019, it is concluded from the evidence of a U-shaped relationship between corporate social performance and banking efficiency that banks with good performance in the social area and with high quality governance models are the most efficient.López Penabad, CeliaIglesias Casal, AnaUniversidade de Santiago de Compostela. Escola de Doutoramento Internacional (EDIUS)20212021-01-0120212021-01-01doctoral thesishttp://purl.org/coar/resource_type/c_db06info:eu-repo/semantics/doctoralThesisapplication/pdfhttp://hdl.handle.net/10347/27260reponame:Minerva. Repositorio Institucional de la Universidad de Santiago de Compostelainstname:Universidad de Santiago de Compostela (USC)Inglésengopen accesshttp://purl.org/coar/access_right/c_abf2Attribution-NonCommercial-NoDerivatives 4.0 Internacionalhttp://creativecommons.org/licenses/by-nc-nd/4.0/info:eu-repo/semantics/openAccessoai:minerva.usc.gal:10347/272602026-06-15T12:47:27Z
dc.title.none.fl_str_mv Essays on the European Banks Financial Stability, Profitability, and Efficiency
title Essays on the European Banks Financial Stability, Profitability, and Efficiency
spellingShingle Essays on the European Banks Financial Stability, Profitability, and Efficiency
Neto, José Fernando da Silva
Materias::Investigación::53 Ciencias económicas::5304 Actividad económica::530406 Dinero y operaciones bancarias
Materias::Investigación::53 Ciencias económicas::5310 Economía internacional::531006 Financiación internacional
title_short Essays on the European Banks Financial Stability, Profitability, and Efficiency
title_full Essays on the European Banks Financial Stability, Profitability, and Efficiency
title_fullStr Essays on the European Banks Financial Stability, Profitability, and Efficiency
title_full_unstemmed Essays on the European Banks Financial Stability, Profitability, and Efficiency
title_sort Essays on the European Banks Financial Stability, Profitability, and Efficiency
dc.creator.none.fl_str_mv Neto, José Fernando da Silva
author Neto, José Fernando da Silva
author_facet Neto, José Fernando da Silva
author_role author
dc.contributor.none.fl_str_mv López Penabad, Celia
Iglesias Casal, Ana
Universidade de Santiago de Compostela. Escola de Doutoramento Internacional (EDIUS)
dc.subject.none.fl_str_mv Materias::Investigación::53 Ciencias económicas::5304 Actividad económica::530406 Dinero y operaciones bancarias
Materias::Investigación::53 Ciencias económicas::5310 Economía internacional::531006 Financiación internacional
topic Materias::Investigación::53 Ciencias económicas::5304 Actividad económica::530406 Dinero y operaciones bancarias
Materias::Investigación::53 Ciencias económicas::5310 Economía internacional::531006 Financiación internacional
description As a result of the financial crisis of 2007-2008, all banking systems in Europe experienced a complete overhaul. These major changes justify the motives for this research, which has been based on three essays on the European banking sector. The first essay analyses the effects of bank competition on a banks financial stability. Using a sample of 117 listed banks from 16 Western European countries from the period 2011 - 2018, the main findings indicate that an excessive increase in competition tends to generate financial instability, especially in countries where banking systems have low financial stability. In the second essay, the effect of the implementation of negative interest rate policies on the profitability and risk of banks is evaluated. Considering a sample of 2,596 banks from 29 European countries in the period 2011- 2019, the results obtained have led us to conclude that the implementation of a negative interest rate policy reduces the net interest margin and the profitability of most banks, but it does not lead to the adoption of investment strategies with high risk exposure. However, these conclusions are not applicable to all banks, which differ according to the business models adopted by each bank. In the third essay, the impact of adopting socially responsible policies on banking efficiency is analysed. Based on a sample of 108 listed banks from 21 European countries during the period 2011 - 2019, it is concluded from the evidence of a U-shaped relationship between corporate social performance and banking efficiency that banks with good performance in the social area and with high quality governance models are the most efficient.
publishDate 2021
dc.date.none.fl_str_mv 2021
2021-01-01
2021
2021-01-01
dc.type.none.fl_str_mv doctoral thesis
http://purl.org/coar/resource_type/c_db06
dc.type.openaire.fl_str_mv info:eu-repo/semantics/doctoralThesis
format doctoralThesis
dc.identifier.none.fl_str_mv http://hdl.handle.net/10347/27260
url http://hdl.handle.net/10347/27260
dc.language.none.fl_str_mv Inglés
eng
language_invalid_str_mv Inglés
language eng
dc.rights.none.fl_str_mv open access
http://purl.org/coar/access_right/c_abf2
Attribution-NonCommercial-NoDerivatives 4.0 Internacional
http://creativecommons.org/licenses/by-nc-nd/4.0/
dc.rights.openaire.fl_str_mv info:eu-repo/semantics/openAccess
rights_invalid_str_mv open access
http://purl.org/coar/access_right/c_abf2
Attribution-NonCommercial-NoDerivatives 4.0 Internacional
http://creativecommons.org/licenses/by-nc-nd/4.0/
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.source.none.fl_str_mv reponame:Minerva. Repositorio Institucional de la Universidad de Santiago de Compostela
instname:Universidad de Santiago de Compostela (USC)
instname_str Universidad de Santiago de Compostela (USC)
reponame_str Minerva. Repositorio Institucional de la Universidad de Santiago de Compostela
collection Minerva. Repositorio Institucional de la Universidad de Santiago de Compostela
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