The aim of this paper is to assess how German savings banks adjust capital and risk under capital regulation. We estimate a modified version of the model developed by Shrieves and Dahl (1992). This paper contributes to the literature in three ways. First, we test the capital buffer theory (Marcus 1984, Milne and Whalley 2002). Second, we use dynamic panel data techniques that explicitly take un...

Interest income is the most important source of revenue for most of the banks. The aim of this paper is to assess the impact of di erent interest rate scenarios on the banks' interest income. As we do not know the interest rate sensitivity of real banks, we construct for each bank a portfolio with a similar composition of its assets and liabilities, called 'tracking bank'. We evaluate the e ect...

This paper discusses a new approach to controlling for the environment when estimating efficiency. In response to the literature on the international comparison of bank efficiency, we draw the attention to a local dimension of comparison. By introducing geographical weights and estimating local frontiers for each US savings bank for the 2001-09 period, we find that the bank technical performanc...

Register files account for a significant fraction of the power dissipation in modern RISC processors. Register file banking is an effective alternative to monolithic register files in embedded systems. We propose a profile-based technique to arrive at a customized energy-efficient bank configuration for a given application on a dual bank register file. The technique consists of a register renam...

Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we investigate determinants of participation in a deposit collection service and evaluate the impact of o...

We provide evidence from field experiments with three different banks, that reminder messages increase commitment attainment for clients who recently opened commitment savings accounts. Messages that mention both savings goals and financial incentives are particularly effective, while other content variations such as gain versus loss framing do not have significantly different effects. Nor do w...

We thank Eduardo Lora for comments on a previous version. Arturo Galindo is an economist in the Research Department of the Inter-American Development Bank, Margaret Miller at the Corporate Strategy Group and Office of the Chief Economist of the World Bank. The views expressed in this document are of the authors and do not necessarily reflect those of the Inter-American Development Bank or the W...