Implementing the single supervisory mechanism in the euro area : effects on deposit structure of banks

Popovska, Emilija (avtor), Košak, Marko (avtor)

In this paper we investigate whether the banks which fall under direct supervision by the European Central Bank (ECB) are more likely to be considered more stable and trustworthy by the depositors due to the stricter supervisory activities performed since the implementation of the Single Supervisory Mechanism (SSM). Under the SSM, significant banks switched from national supervisors to ECB, whereas the remaining banks remained under national supervisory authorities (NSAs). Using the difference-in-difference (DID) method, we have found evidence of increased depositors’ trust in significant banks after the SSM implementation. Additionally, in anticipation of the SSM launch and the comprehensive assessment, we have found evidence of increased depositors’ trust in the banks which were expected to be supervised by the ECB.

• Jezik: Angleški jezik
• Ključne besede: banking management, banking policy, deposits, interbank deposits, banking supervision, single supervisory mechanism
• Vrsta gradiva: Članek v reviji
• Tipologija: 1.01 - Izvirni znanstveni članek
• Organizacija: EF - Ekonomska fakulteta
• Status publikacije: Objavljeno
• Različica publikacije: Objavljena publikacija
• Leto izida: 2024
• Št. strani: Str. 104-129
• Številčenje: Vol. 26, iss. 2, article no. 3
• PID: 20.500.12556/RUL-164795
• UDK: 336.71
• ISSN pri članku: 2335-4216
• DOI: 10.15458/2335-4216.1337
• COBISS.SI-ID: 198081027
• Datum objave v RUL: 12.11.2024

Gradivo je del revije

• Naslov: Economic and business review
• Založnik: Ekonomska fakulteta
• ISSN: 2335-4216
• COBISS.SI-ID: 268649216

Licence

• Licenca: CC BY-NC-ND 4.0, Creative Commons Priznanje avtorstva-Nekomercialno-Brez predelav 4.0 Mednarodna
• Povezava: http://creativecommons.org/licenses/by-nc-nd/4.0/deed.sl
• Opis: Najbolj omejujoča licenca Creative Commons. Uporabniki lahko prenesejo in delijo delo v nekomercialne namene in ga ne smejo uporabiti za nobene druge namene.

Sekundarni jezik

• Jezik: Slovenski jezik
• Ključne besede: bančno poslovanje, bančna politika, depoziti