Disclaimer ©Institute for Retail Studies. All rights reserved. 1 The views and opinions expressed in this Working Paper are strictly the responsibility of the authors. 3 INTRODUCTION Charity retailing has grown over the last five years into a thriving and expanding sector and can no longer be ignored by academic researchers. Corporate Intelligence Group (1992) report that there are now over 5,0...

A widely publicized series of mergers has characterized the banking industry in recent years. Shareholder returns from these mergers have often been disappointing. This study finds delays in implementing potential operating savings and realizing benefits of scale economies may be one reason bank mergers have disappointing returns. We analyze a 200 branch network formed in a merger of four banks...

Occupancy sensors have the potential to significantly reduce energy use by switching off electrical loads when a normally occupied area is vacated. While occupancy sensors can be used to control a variety of load types, their most popular use has been to control lighting in commercial buildings. Manufacturers claim savings of 15% to 85%, although there is little published research to support th...

Several theoretical studies suggest that only uninsured depositors have an incentive to discipline their banks, i. e. react with changes in deposit volumes or in required interest rates as a reaction to changes in banks’ risk. This paper empirically investigates whether German savings banks are disciplined by their depositors although these should be regarded as fully insured due to public guar...

The formulation of the problem in this study is how to influence Third Party Funds (DPK), Return on Assets (ROA) and interest rates lending at PT. Bank BTN (Persero) Tbk. Medan Branch Office. While objective research analyze effect third party funds Office either partially or simultaneously. data source 2012-2016 financial reports. analysis technique used was multiple linear regression using SP...

S AVINGS INSTITUTIONS, credit unions, and commercial banks all offer a generally similar se­ lection of financial services, though each differs in the ability to make certain kinds of loans.1 As a result, many personal sector customers of these institutions would likely be unable to identify any distinguishing characteristics. Indeed, savings institutions and com­ mercial banks sometimes change...

This paper is one of the rst to analyse political in uence on state-owned savings banks in a developed country with an established nancial market: Germany. Combining a large dataset with nancial and operating gures of all 457 German savings banks from 1994 to 2006 and information on over 1,250 local elections during this period we investigate the change in business behavior around elections. We...

This paper presents a theoretical analysis of strategic competition in retail banking when some of the ®rms show expense preference behavior. The literature on expense preference behavior by banking ®rms is fairly large, but to our knowledge, so far, the strategic interaction between pro®t maximizing banks and banks with expense preference behavior has not been investigated. The paper has also ...