---
_id: '4406'
abstract:
- lang: eng
  text: Using aggregate balance sheet data from banks across the EU-25 over the period
    from 1997 to 2005 we provide empirical evidence that national banking market concentration
    has a negative impact on European banks’ financial soundness as measured by the
    Z-score technique while controlling for macroeconomic, bank-specific, regulatory,
    and institutional factors. Furthermore, our analysis reveals that Eastern European
    banking markets exhibiting a lower level of competitive pressure, fewer diversification
    opportunities and a higher fraction of government-owned banks are more prone to
    financial fragility whereas capital regulations have supported financial stability
    across the entire European Union.
author:
- first_name: André
  full_name: Uhde, André
  id: '36049'
  last_name: Uhde
  orcid: https://orcid.org/0000-0002-8058-8857
- first_name: Ulrich
  full_name: Heimeshoff, Ulrich
  last_name: Heimeshoff
citation:
  ama: 'Uhde A, Heimeshoff U. Consolidation in banking and financial stability in
    Europe: Empirical evidence. <i>Journal of Banking &#38; Finance</i>. 2009;33(7):1299-1311.
    doi:<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>'
  apa: 'Uhde, A., &#38; Heimeshoff, U. (2009). Consolidation in banking and financial
    stability in Europe: Empirical evidence. <i>Journal of Banking &#38; Finance</i>,
    <i>33</i>(7), 1299–1311. <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>'
  bibtex: '@article{Uhde_Heimeshoff_2009, title={Consolidation in banking and financial
    stability in Europe: Empirical evidence}, volume={33}, DOI={<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>},
    number={7}, journal={Journal of Banking &#38; Finance}, author={Uhde, André and
    Heimeshoff, Ulrich}, year={2009}, pages={1299–1311} }'
  chicago: 'Uhde, André, and Ulrich Heimeshoff. “Consolidation in Banking and Financial
    Stability in Europe: Empirical Evidence.” <i>Journal of Banking &#38; Finance</i>
    33, no. 7 (2009): 1299–1311. <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>.'
  ieee: 'A. Uhde and U. Heimeshoff, “Consolidation in banking and financial stability
    in Europe: Empirical evidence,” <i>Journal of Banking &#38; Finance</i>, vol.
    33, no. 7, pp. 1299–1311, 2009, doi: <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>.'
  mla: 'Uhde, André, and Ulrich Heimeshoff. “Consolidation in Banking and Financial
    Stability in Europe: Empirical Evidence.” <i>Journal of Banking &#38; Finance</i>,
    vol. 33, no. 7, 2009, pp. 1299–311, doi:<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>.'
  short: A. Uhde, U. Heimeshoff, Journal of Banking &#38; Finance 33 (2009) 1299–1311.
date_created: 2018-09-14T13:02:19Z
date_updated: 2023-01-10T09:36:22Z
department:
- _id: '186'
- _id: '188'
doi: https://doi.org/10.1016/j.jbankfin.2009.01.006
extern: '1'
intvolume: '        33'
issue: '7'
jel:
- G21
- G28
- G34
- L16
keyword:
- Market structure
- Financial stability
- Banking regulation
language:
- iso: eng
page: 1299-1311
publication: Journal of Banking & Finance
publication_status: published
status: public
title: 'Consolidation in banking and financial stability in Europe: Empirical evidence'
type: journal_article
user_id: '21810'
volume: 33
year: '2009'
...
---
_id: '4407'
abstract:
- lang: eng
  text: 'The successful implementation of a harmonised regulatory framework for the
    global banking system is still a long way off. This mainly results from (a) different
    traditions in banking regulation and supervision at the national level, (b) different
    national emphases on regulatory sub-goals such as efficiency or the protection
    and promotion of national financial markets, and (c) different institutional settings
    and conditions. In this context, studies on the banking industry''s assessment
    of supervisory processes and instruments highlight how effectively and efficiently
    individual nation states are implementing international frameworks such as Basel
    II and the Capital Requirements Directive for Europe. In November 2005, the German
    Government commissioned an evaluation of the supervisory processes and instruments
    of the country''s banking authorities, BaFin and Bundesbank. The study aimed to
    determine the options for further optimising supervision, reducing regulatory
    burden and bureaucracy, and otherwise restricting supervision. This paper presents
    the most important findings from the survey, analyses significant differences
    in assessments given by various banking groups, empirically evaluates significant
    drivers of banks'' overall satisfaction with banking supervision, and drafts proposals
    for improving banking regulation and supervision in Germany. Finally, aspects
    of further research are discussed. '
author:
- first_name: Stephan
  full_name: Paul, Stephan
  last_name: Paul
- first_name: Stefan
  full_name: Stein, Stefan
  last_name: Stein
- first_name: André
  full_name: Uhde, André
  id: '36049'
  last_name: Uhde
  orcid: https://orcid.org/0000-0002-8058-8857
citation:
  ama: 'Paul S, Stein S, Uhde A. Measuring the relationship between supervisory authorities
    and banks: An assessment of the German banking sector. <i>Journal of Risk Managment
    in Financial Institutions</i>. 2008;2(1):69-87.'
  apa: 'Paul, S., Stein, S., &#38; Uhde, A. (2008). Measuring the relationship between
    supervisory authorities and banks: An assessment of the German banking sector.
    <i>Journal of Risk Managment in Financial Institutions</i>, <i>2</i>(1), 69–87.'
  bibtex: '@article{Paul_Stein_Uhde_2008, title={Measuring the relationship between
    supervisory authorities and banks: An assessment of the German banking sector},
    volume={2}, number={1}, journal={Journal of Risk Managment in Financial Institutions},
    author={Paul, Stephan and Stein, Stefan and Uhde, André}, year={2008}, pages={69–87}
    }'
  chicago: 'Paul, Stephan, Stefan Stein, and André Uhde. “Measuring the Relationship
    between Supervisory Authorities and Banks: An Assessment of the German Banking
    Sector.” <i>Journal of Risk Managment in Financial Institutions</i> 2, no. 1 (2008):
    69–87.'
  ieee: 'S. Paul, S. Stein, and A. Uhde, “Measuring the relationship between supervisory
    authorities and banks: An assessment of the German banking sector,” <i>Journal
    of Risk Managment in Financial Institutions</i>, vol. 2, no. 1, pp. 69–87, 2008.'
  mla: 'Paul, Stephan, et al. “Measuring the Relationship between Supervisory Authorities
    and Banks: An Assessment of the German Banking Sector.” <i>Journal of Risk Managment
    in Financial Institutions</i>, vol. 2, no. 1, 2008, pp. 69–87.'
  short: S. Paul, S. Stein, A. Uhde, Journal of Risk Managment in Financial Institutions
    2 (2008) 69–87.
date_created: 2018-09-14T13:08:39Z
date_updated: 2023-01-10T09:36:51Z
department:
- _id: '186'
- _id: '188'
extern: '1'
intvolume: '         2'
issue: '1'
jel:
- G21
- G28
keyword:
- banking supervision
- quality
- assessment
- banking sector
language:
- iso: eng
page: 69-87
publication: Journal of Risk Managment in Financial Institutions
publication_status: published
status: public
title: 'Measuring the relationship between supervisory authorities and banks: An assessment
  of the German banking sector'
type: journal_article
user_id: '21810'
volume: 2
year: '2008'
...