British and German Banking Strategies (Palgrave Macmillan by S. Janssen

By S. Janssen

The writer investigates the recommendations of 8 publicly indexed banks in Britain and Germany within the context of ecu monetary integration. facts is supplied that banks with protective innovations fared greater than these which tried to damage out of a coherent economy on the way to embody new enterprise possibilities.

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They argue that finance and capital market theory purportedly provides sufficient explanation of banking operations, whereas general management concepts are considered adequate to account for the business/ management aspects of a bank, leaving the intersection of these two fields under-researched. An additional reason could be that deductive methodologies dominate the largely quantitative approaches to finance and capital market theory, whereas the more qualitative studies of business management often apply inductive methodologies.

Benefiting from the “law of large numbers”, diversification and certain incentives allow a bank, as a financial intermediary, to better monitor and thus minimise the risk of loan losses than a single lender could do. , 1998). Consequently, lenders, that is depositors, accept a lower return on capital in return for the risk-sharing service provided by the intermediary (Diamond, 1984, pp. 393–414; Diamond, 1996, pp. 51–66). , 1998, p. 747). ] Investors can invest their date 0 endowments in illiquid technologies that will pay off at date 2.

The strategic considerations are discussed at great length in Chapter 3. However, it is necessary to address the underlying concepts of intermediation at this stage to ensure a better understanding of disintermediation. , 1998, p. 747). One approach emphasises the asset side of the balance sheet, while the other emphasises the liability side. The explanatory models which focus on the asset side (“loans”) regard “delegated monitoring” (Diamond, 1984) as a bank’s primary function, that is a bank monitors an investment project on behalf of investors.

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