Retail banking in the aftermath of the financial crisis
Published inJyväskylä studies in business and economics
This thesis considers the effects of the global financial crisis that started in 2008 on the retail banking environment and on banks’ behavior during and in the aftermath of the crisis. The thesis consists of an introductory chapter and three empirical articles that use unique datasets on Finnish cooperative banks. The introductory chapter provides background and an overview of the thesis and considers the effects of the crisis on retail banking from an overall perspective. The empirical articles investigate the roles of a competitive environment, a low interest rate environment, and relationship banking during the crisis and in the post-crisis period. The first article looks at whether the effects of the financial crisis on the volumes and prices of small-business loans depended on the pre-crisis local competitive environment. The second article explores the relationship between market interest rates and retail bank interest margins and its implications in the low interest rate environment that resulted from the financial crisis. The third article examines the association of bank relationship strength with the performance of small and medium-sized enterprises (SMEs) after the onset of the financial crisis. ...
PublisherUniversity of Jyväskylä
- Artikkeli I: Jaakko Sääskilahti. 2016. Local bank competition and small business lending after the onset of the financial crisis. Journal of Banking and Finance, 69 (August), 37-51. DOI: 10.1016/j.jbankfin.2016.04.004.
- Artikkeli II:Jaakko Sääskilahti. 2016. Retail bank interest margins in low interest rate environments. Journal of Financial Services Research (2016). DOI: 10.1007/s10693-016-0262-1.
- Artikkeli III: Jaakko Sääskilahti. 2017. Relationship banking and the financial difficulties of SMEs in the aftermath of the crisis.
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