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2018 | nr 2 (41) | 189--206
Tytuł artykułu

Household Deposits in the Eurozone Area - Net Outflows and High Value Deposits

Treść / Zawartość
Warianty tytułu
Języki publikacji
EN
Abstrakty
EN
The aim of this paper is to analyse the problem of household deposit withdrawals from monetary financial institutions in 15 Eurozone member states, and the popularity of high value deposits which are assumed as volatile in the EU post-crisis regulations. The study estimates the scale of household deposit withdrawals in 2007-2015, revealing them as a problem of two selected member states, Austria and Greece which are, however, almost invisible at the Eurozone level. It analyses the significance of high value deposits for individual populations and indicates those in which the occurrence of the deposits was the most frequent. Selected characteristics of the owners of high value deposits which may suggest their real nature are considered. The results obtained do not prove the popularity of these deposits in all the countries characterised by severe outflows between 2007-2015.(original abstract)
Rocznik
Numer
Strony
189--206
Opis fizyczny
Twórcy
  • Cracow University of Economics, Poland
Bibliografia
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  • BCBS, Basel III: The Liquidity Coverage Ratio and Liquidity Risk Monitoring Tools, Bank for International Settlements, Basel, 2013.
  • BCBS, Basel III: The Net Stable Funding Ratio, Bank for International Settlements, Basel, 2014.
  • Borio, C., Ten Propositions about Liquidity Crises, BIS Working Paper, no 293, pp. 1-21, 2009.
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  • Commission Delegated Regulation (EU) 2015/61 of 10 October 2014 to supplement Regulation (EU) No 575/2013 of the European Parliament and the Council with regard to liquidity coverage requirement for Credit Institutions, OJ L 11 of 17 January 2015.
  • Cussen, M., O'Leary, B., Smith, D., The Impact of the Financial Turmoil on Households: A Cross Country Comparison, Central Bank of Ireland - Quarterly Bulletin, 02 / April, pp. 78-98, 2012.
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  • EBA, Guidelines on retail deposits subject to different outflows for purposes of liquidity reporting under Regulation (EU) No 575/2013, on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 (Capital Requirements Regulation - CRR), European Banking Authority, London, 2013a.
  • EBA, EBA Discussion Papers on Defining Liquid Assets in the LCR under the draft CRR and on retail deposits subject to higher outflows for the purposes of liquidity reporting, European Banking Authority, London, 2013b.
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  • Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements on credit institutions and investment firms and amending Regulation (EU) No 648/2012, OJ L 176 of 27 June 2013.
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Typ dokumentu
Bibliografia
Identyfikatory
Identyfikator YADDA
bwmeta1.element.ekon-element-000171531966

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