Arbeitspapier
Competitive deposit rates and bank service charges
This paper presents a partial equilibrium model of the determination of deposit rates of interest and bank service charges in a competitive banking industry. It is shown that uncertainty regarding the future use of transactions services can cause a positive. interest rate margin on deposits, and below-cost pricing of transactions services. This contrasts with existing literature which has explained the existence of "implicit interest" as a consequence of interest rate ceilings or non-neutral taxation.
- ISBN
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951-686-215-2
- Language
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Englisch
- Bibliographic citation
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Series: Bank of Finland Discussion Papers ; No. 26/1989
- Classification
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Wirtschaft
- Event
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Geistige Schöpfung
- (who)
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Tarkka, Juha
- Event
-
Veröffentlichung
- (who)
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Bank of Finland
- (where)
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Helsinki
- (when)
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1989
- Handle
- Last update
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10.03.2025, 11:44 AM CET
Data provider
This object is provided by:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
Object type
- Arbeitspapier
Associated
- Tarkka, Juha
- Bank of Finland
Time of origin
- 1989
Other Objects (12)
Approaches to deposit pricing: a study in the determination of deposit interest and bank service charges
Deposit insurance: Pricing and incentives
Switching costs in the Finnish retail deposit market
Implicit interest as price discrimination in the bank deposit market
Inferring market power from retail deposit interest rates in the euro area
Fixed rate loan contracts, maturity transformation and competition in the deposit market
The effects of competition on banks' risk taking with and without deposit insurance
Models of currency crises with banking sector and imperfectly competitive labor markets
Re-opening of banks' certificates of deposit market
Finnish deposit banks 1980-1993: years of rapid growth and crisis
Risk sharing in the pricing of payment services by banks
The adverse selection problem in imperfectly competitive credit markets
Approaches to deposit pricing: a study in the determination of deposit interest and bank service charges
Deposit insurance: Pricing and incentives
Switching costs in the Finnish retail deposit market
Implicit interest as price discrimination in the bank deposit market
Inferring market power from retail deposit interest rates in the euro area
Fixed rate loan contracts, maturity transformation and competition in the deposit market
The effects of competition on banks' risk taking with and without deposit insurance
Models of currency crises with banking sector and imperfectly competitive labor markets
Re-opening of banks' certificates of deposit market
Finnish deposit banks 1980-1993: years of rapid growth and crisis
Risk sharing in the pricing of payment services by banks
The adverse selection problem in imperfectly competitive credit markets
Approaches to deposit pricing: a study in the determination of deposit interest and bank service charges
Deposit insurance: Pricing and incentives
Switching costs in the Finnish retail deposit market
Implicit interest as price discrimination in the bank deposit market
Inferring market power from retail deposit interest rates in the euro area
Fixed rate loan contracts, maturity transformation and competition in the deposit market
The effects of competition on banks' risk taking with and without deposit insurance
Models of currency crises with banking sector and imperfectly competitive labor markets
Re-opening of banks' certificates of deposit market
Finnish deposit banks 1980-1993: years of rapid growth and crisis
Risk sharing in the pricing of payment services by banks