Disclosure, Ambiguity and Depositors' Discipline in European Banking System

27 Pages Posted: 21 Oct 2016 Last revised: 20 Dec 2017

See all articles by François Guillemin

François Guillemin

National Research University Higher School of Economics

Date Written: 2017

Abstract

We investigate the impact of banks disclosure on their ability to attract more deposit in Europe for the period 1989-2013. The bank disclosure provides tools to help depositors to exert there governance onto banks manager to align managers incentives with the one of depositors.

We introduced as well the notion of ambiguity. Disclosure has a negative impact on total deposit while ambiguity appears to reduce significantly the level of deposits.

Keywords: Bank, Deposit, Disclosure, Ambiguity

JEL Classification: G14, G21

Suggested Citation

Guillemin, François, Disclosure, Ambiguity and Depositors' Discipline in European Banking System (2017). Available at SSRN: https://ssrn.com/abstract=2845194 or http://dx.doi.org/10.2139/ssrn.2845194

François Guillemin (Contact Author)

National Research University Higher School of Economics ( email )

Myasnitskaya street, 20
Moscow, Moscow 119017
Russia

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