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220928 ||| eng |
| 020 |
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|a 9781513516141
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| 100 |
1 |
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|a Elekdag, Selim
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| 245 |
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0 |
|a Breaking the Bank? A Probabilistic Assessment of Euro Area Bank Profitability
|c Selim Elekdag, Sheheryar Malik, Srobona Mitra
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| 260 |
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|a Washington, D.C.
|b International Monetary Fund
|c 2019
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| 300 |
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|a 38 pages
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| 651 |
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4 |
|a France
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| 653 |
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|a Depository Institutions
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| 653 |
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|a Interest rates
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| 653 |
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|a State supervision
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| 653 |
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|a Income
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| 653 |
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|a Banks
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| 653 |
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|a Finance
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| 653 |
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|a Loan loss provisions
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| 653 |
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|a Industries: Financial Services
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| 653 |
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|a Banks and banking
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| 653 |
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|a Financial sector policy and analysis
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| 653 |
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|a Financial institutions
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| 653 |
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|a Personal income
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| 653 |
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|a Financial services
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| 653 |
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|a General Financial Markets: Government Policy and Regulation
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| 653 |
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|a Micro Finance Institutions
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| 653 |
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|a Financial Institutions and Services: Government Policy and Regulation
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| 653 |
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|a Mortgages
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| 653 |
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|a Nonperforming loans
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| 653 |
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|a Yield curve
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| 653 |
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|a Personal Income, Wealth, and Their Distributions
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| 653 |
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|a National accounts
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| 653 |
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|a Loans
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| 653 |
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|a Bank soundness
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| 653 |
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|a Banks and Banking
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| 653 |
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|a Macroeconomics
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| 653 |
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|a Financial regulation and supervision
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| 653 |
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|a Banking
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| 653 |
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|a Interest Rates: Determination, Term Structure, and Effects
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| 653 |
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|a Financial services law & regulation
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| 653 |
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|a Finance: General
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| 700 |
1 |
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|a Malik, Sheheryar
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| 700 |
1 |
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|a Mitra, Srobona
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| 041 |
0 |
7 |
|a eng
|2 ISO 639-2
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| 989 |
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|b IMF
|a International Monetary Fund
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| 490 |
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|a IMF Working Papers
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| 028 |
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|a 10.5089/9781513516141.001
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| 856 |
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|u https://elibrary.imf.org/view/journals/001/2019/254/001.2019.issue-254-en.xml?cid=48714-com-dsp-marc
|x Verlag
|3 Volltext
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| 082 |
0 |
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|a 330
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| 520 |
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|a This paper explores the determinants of profitability across large euro area banks using a novel approach based on conditional profitability distributions. Real GDP growth and the NPL ratio are shown to be the most reliable determinants of bank profitability. However, the estimated conditional distributions reveal that, while higher growth would raise profits on average, a large swath of banks would most likely continue to struggle even amid a strong economic recovery. Therefore, for some banks, a determined reduction in NPLs combined with cost efficiency improvements and customized changes to their business models appears to be the most promising strategy for durably raising profitability
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