RT Journal Article
T1 Risk contribution to deposit insurance: Evidence from commercial and cooperative banks in the Eurozone
A1 Gómez Fernández-Aguado, Pilar
A1 Partal Ureña, Antonio
A1 Trigo-Martínez, Eduardo
K1 Bancos cooperativos
AB This paper analyses how the risk of commercial and cooperative banks may affect the European Deposit Guarantee Scheme (EDIS) to assess the appropriateness of a differentiated contribution regime. Evidence shows that these institutions have different objectives, ownership structures and operational approaches that impact their risk profile. As a result, a single regulatory approach may not be appropriate and may place an additional burden on cooperative banks. Using a simulation model and a sample of banks representing 81% of deposits in the Eurozone between 2018 and 2021, we analyse risk, deposit insurance losses and financial coverage needs. We find that cooperative banks are less risky, generate fewer losses and should provide fewer resources compared to commercial banks. These findings are important to achieve a more equitable and efficient funding policy in the future development of the EDIS as the third pillar to complete the Banking Union.
PB Elsevier
YR 2023
FD 2023-12-05
LK https://hdl.handle.net/10630/34445
UL https://hdl.handle.net/10630/34445
LA eng
NO Pilar Gómez Fernández-Aguado, Antonio Partal Ureña, Eduardo Trigo Martínez, Risk contribution to deposit insurance: Evidence from commercial and cooperative banks in the Eurozone, Economic Analysis and Policy, Volume 81, 2024, Pages 341-355, ISSN 0313-5926, https://doi.org/10.1016/j.eap.2023.12.006
DS RIUMA. Repositorio Institucional de la Universidad de Málaga
RD 20 ene 2026