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Limited diversity—business models of German cooperative banks

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  2. Economics, Finance, Business & Management
  3. Vierteljahrshefte zur Wirtschaftsforschung
  4. Vol. 87, Issue 4
  5. pp. 55–66

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Bley, A. Limited diversity—business models of German cooperative banks. Vierteljahrshefte zur Wirtschaftsforschung, 87(4), 55-66. https://doi.org/10.3790/vjh.87.4.55
Bley, Andreas "Limited diversity—business models of German cooperative banks" Vierteljahrshefte zur Wirtschaftsforschung 87.4, 2018, 55-66. https://doi.org/10.3790/vjh.87.4.55
Bley, Andreas (2018): Limited diversity—business models of German cooperative banks, in: Vierteljahrshefte zur Wirtschaftsforschung, vol. 87, iss. 4, 55-66, [online] https://doi.org/10.3790/vjh.87.4.55
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Limited diversity—business models of German cooperative banks

Bley, Andreas

Vierteljahrshefte zur Wirtschaftsforschung, Vol. 87 (2018), Iss. 4 : pp. 55–66

1 Citations (CrossRef)

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Article Details

Publisher Name
Duncker & Humblot
DOI
https://doi.org/10.3790/vjh.87.4.55
Language
English
Pages
12
Keywords

Author Details

Andreas Bley, Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e. V. (BVR) / National Association of German Cooperative Banks (BVR).

Cited By

  1. Genossenschaftsbanken – Solides Kreditwachstum während der Coronapandemie

    Bley, Andreas

    Micheli, Martin

    Vierteljahrshefte zur Wirtschaftsforschung, Vol. 90 (2021), Iss. 2 P.67

    https://doi.org/10.3790/vjh.90.2.67 [Citations: 0]

References

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  31. Roengpitya, Rungporn, Nikola Tarashev and Kostas Tsataronis (2014): Bank Business Models. Quarterly Review, December 2014. Bank for International Settlements (BIS).  Google Scholar
  32. Ayadi, Ram, E. Arbak and Willem de Groen (2011): Business Models in European Banking: A pre- and post-crisis screening. Centre for European Policy Studies (CEPS), Brussels.  Google Scholar
  33. Ayadi, Rym, and Willem de Groen (2014): Banking Business Models Monitor 2014: Europe. Centre for European Policy Studies (CEPS), Brussels.  Google Scholar
  34. Schmidt, Reinhard H., and Patrick Behr (2016): The German Banking System In: Thorsten Beck and Barbara Casu (eds.): The Palgrave Handbook of European Banking. London, Palgrave, 541–566.  Google Scholar
  35. National Association of German Cooperative Banks (BVR) (2018): Consolidated Financial Statements 2017 of the Volksbanken Raiffeisenbanken. Cooperative Financial Network.  Google Scholar
  36. May, Robert M, Simon A. Levin and George Sugihara (2008): Ecology for bankers. Nature, 451, February.  Google Scholar
  37. Hofmann, Gerhard (2013): Kreditgenossenschaften – Stabilitätsanker in der Finanz- und Staatsschuldenkrise. Zeitschrift für das gesamte Genossenschaftswesen, 63 (2).  Google Scholar
  38. Hackethal, Andreas, and Roman Inderst (2015): Auswirkungen der Regulatorik auf kleinere und mittlere Banken am Beispiel der deutschen Genossenschaftsbanken. Report commissioned by the National Association of German Cooperative Banks (BVR).  Google Scholar
  39. German Council of Economic Experts (SVR) (2013): Annual Review 2013/14.  Google Scholar
  40. Farné, Matteo, and Angelos Vouldis (2017): Business Models of the Banks in the Euro Area. Working Paper Series No 2070, May. European Central Bank.  Google Scholar
  41. Everitt, Brian, and Sophia Rabe-Hesketh (2007): A Handbook of Statistical Analysis Using Stata, 4th Edition.  Google Scholar
  42. Everitt, Brian S., Sabine Landau, Morven Leese and Daniel Stahl (2011): Cluster Analysis. 5th Edition. John Wiley & Sons.  Google Scholar
  43. European Central Bank (2018): SSM thematic review on profitability and business models, September.  Google Scholar
  44. Deutsche Bundesbank (2013): Financial Stability Review 2013, November.  Google Scholar
  45. Deutsche Bundesbank (2010): Germany in the financial and economic crisis—Monthly Report, October.  Google Scholar
  46. Deutsche Bundesbank (2008, 2018): Banking Statistics, February.  Google Scholar
  47. De Jonghe, Olivier, Maaike Diepstraten and Glenn Schepens (2016): Competition in EU-Banking. In: Thorsten Beck and Barbara Casu (eds.): The Palgrave Handbook of European Banking. London, Palgrave, 187–211.  Google Scholar
  48. Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e. V. (BVR)/National Association of German Cooperative Banks (BVR) (2018): Consolidated Financial Statements 2017 of the Volksbanken Raiffeisenbanken. Cooperative Financial Network.  Google Scholar
  49. Ayadi, Rym, Reinhard H. Schmidt and Santiago Carbó Valverde (2009): Investigating Diversity in the Banking Sector in Europe. The Performance and Role of Savings Banks. CEPS.  Google Scholar
  50. Ayadi, Rym, David T. Llewellyn and Reinhard H. Schmidt (2010): Investigating Diversity in the Banking Sector in Europe. Key Developments, Performance and Role of Cooperative Banks. CEPS.  Google Scholar

Abstract

Die strukturelle Vielfalt auf dem deutschen Bankenmarkt und die damit verbundene Vielfalt von Geschäftsmodellen dürfte in den vergangenen Jahrzehnten ein wichtiger Stabilitätsfaktor am deutschen Bankenmarkt gewesen sein. Diese Vielfalt zeigt sich zum einen in der 3-Säulen-Struktur der deutschen Kreditwirtschaft, zum anderen aber auch innerhalb der Säulen selbst. Für die deutschen Genossenschaftsbanken dokumentiert eine empirische Analyse eine begrenzte Vielfalt der Geschäftsmodelle. Fast alle Genossenschaftsbanken konzentrieren sich auf das Kredit- und Einlagengeschäft mit Kunden. Innerhalb des traditionellen Geschäftsmodells lassen sich zwei unterschiedliche Geschäftstypen identifizieren, von denen der eine stärker aktiv- und der andere stärker passivlastig ausfällt.

Table of Contents

Section Title Page Action Price
Andreas Bley: Limited diversity—business models of German cooperative banks 1
Summary 1
Zusammenfassung 1
1 Introduction 2
2 Business models of cooperative banks in Germany 3
3 Success factors for the cooperative banks 7
3.1 Long-term viability of the business model 8
3.2 Close market proximity and long-term profitability 8
3.3 Cooperative values and collaboration in network structures 9
3.4 Risk management 9
4 Conclusion 1
References 1

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