Filtern
Schlagworte
- Bank Bailout (1)
- Bankenkrise (1)
- Bankenrettung (1)
- Banking Crisis (1)
- Financial Stability (1)
- Finanzstabilität (1)
- Fusion (1)
- Genossenschaftsbank (1)
- Kooperation (1)
- Kreditgenossenschaft (1)
Institut
- Institut für Bank-, Finanz und Gründungsmanagement (IBFG) (3) (entfernen)
Mehr als 2/3 aller Bankfusionen scheitern. Größeneffekte (economics of scale) sind regelmäßig nur durch Fusionen kleiner Banken zu erwarten. Nennenswerte Kostenersparnisse lassen sich nur realisieren, wenn sich Geschäfstgebiet und Produktpalette der Fusionspartner überschneiden. Verbundinterne Fusionen von Sparkassen und Genossenschaftsbanken können oftmals nur Größeneffekte produzieren. Das Geschäftsgebiet benachbarter Sparkassen (Genossenschaftsbanken) überschneidet sich dank des Regionalprinzips nur an der Peripherie. Kostenersparnisse sind auf den zentralen Betriebsbereich beschränkt; Filialzusammenlegungen bedeuten zugleich den Rückzug aus der Fläche. Die Zusammenarbeit von Sparkassen und Genossenschaftsbanken verspricht dagegen jene Kosteneffekte, die durch verbundinterne Fusionen, eine vertikale Integration von Sparkassen und Landesbanken oder die Übernahme von Sparkassen durch private Großbanken nicht zu erreichen sind.
This cumulative dissertation presents how commercial banks in Germany communicate their ambitions and commitment regarding corporate responsibility - i.e., CSR. The results of the first article show that the quality of mandatory non-financial reporting needs to be improved and that certain characteristics (e.g., previous reporting experience, reporting format and standard) have a positive influence on reporting quality. The second article shows that the CSR reporting scope on bank websites also has room for improvement and that various banking characteristics such as size, capital market orientation, media visibility or public ownership have an influence on communication. The third article illustrates that credit institutions in Germany are increasingly using social media for CSR communication, but that CSR communication strategies differ (Facebook vs. Twitter). The fourth article discusses CSR communication using advertisements and shows that the conceptual design of advertisements should be in line with the credit institution's business model and is therefore beneficial.
The dissertation analyzes the role of large banks in the context of financial (in)stability. Based on the underlying "too big to fail"-problem (TBTF), the three included papers investigate the reasons for the instability of banking systems on a national and international level. Already in advance, but at least since the years 2007/2008 with the escalation of the financial crisis, especially large banks are under critical supervision of regulators and the society. There exist numerous aspects that should to be taken into account when addressing TBTF which complicates the finding of a solution to the problem. In particular, the thesis investigates three major issues in this context: (1) The contribution of the size of a bank to the development of financial crises or the exposure of large banks to systematic risk and contagious spillovers. (2) The spillover effects from one banking system to another and the importance of banks' foreign asset holdings for the transmission of sovereign risk on foreign banks. (3) The impact of the degree of competition in the German banking market on the stability of the banking system.