TU Darmstadt / ULB / TUbiblio

Common Ownership in the Dutch Banking Market

Laser, Falk Hendrik (2021):
Common Ownership in the Dutch Banking Market.
DOI: 10.2139/ssrn.3799996,
[Report]

Abstract

Common ownership has increased across countries and industries in recent years. I focus on the potential anti-competitive effects of rising common ownership on consumer prices conducting a case study for the Dutch banking market. My analysis draws on retail pricing data for savings accounts in 2014 and ownership data on the investor level. Using a structural approach, I project the impact of increasing common ownership on interest rates for savings accounts. Depending on the different levels of common ownership assumed, I simulate decreases in interest rates of up to 50 basis points for large banks and predict substantial average losses of interest for consumers ranging between 12 and 33 euros per year.

Item Type: Report
Erschienen: 2021
Creators: Laser, Falk Hendrik
Title: Common Ownership in the Dutch Banking Market
Language: English
Abstract:

Common ownership has increased across countries and industries in recent years. I focus on the potential anti-competitive effects of rising common ownership on consumer prices conducting a case study for the Dutch banking market. My analysis draws on retail pricing data for savings accounts in 2014 and ownership data on the investor level. Using a structural approach, I project the impact of increasing common ownership on interest rates for savings accounts. Depending on the different levels of common ownership assumed, I simulate decreases in interest rates of up to 50 basis points for large banks and predict substantial average losses of interest for consumers ranging between 12 and 33 euros per year.

Uncontrolled Keywords: Common ownership, bank competition
Divisions: 01 Department of Law and Economics
01 Department of Law and Economics > Volkswirtschaftliche Fachgebiete
01 Department of Law and Economics > Volkswirtschaftliche Fachgebiete > International Economics
Date Deposited: 31 May 2021 05:18
DOI: 10.2139/ssrn.3799996
Export:
Suche nach Titel in: TUfind oder in Google
Send an inquiry Send an inquiry

Options (only for editors)
Show editorial Details Show editorial Details