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Abschätzung des Zinseinkommens der Banken in Deutschland

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  • Memmel, Christoph

Abstract

Die Entwicklung des Zinseinkommens der Banken in Deutschland wird in Szenarien abgeschätzt, und zwar für die Jahre 2023 und 2024. Es zeigt sich, dass das Zinseinkommen im Basis-Szenario im Vergleich zum Jahr 2022 zunimmt, wenn man berücksichtigt, dass die Banken an Zinsaufwendungen sparen, weil sie sehr zögerlich sind bei der Erhöhung der Zinsen für Kundeneinlagen, verglichen mit der Zinsentwicklung aus einem Modell, das auf der Vergangenheit fußt.

Suggested Citation

  • Memmel, Christoph, 2023. "Abschätzung des Zinseinkommens der Banken in Deutschland," Technical Papers 05/2023, Deutsche Bundesbank.
    • Handle: RePEc:zbw:bubtps:283348
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    References listed on IDEAS

    as
    1. Ramona Busch & Christoph Memmel, 2021. "Why Are Interest Rates on Bank Deposits so Low?," Credit and Capital Markets, Credit and Capital Markets, vol. 54(4), pages 641-668.
    2. Dräger Vanessa & Heckmann-Draisbach Lotta & Memmel Christoph, 2021. "Interest and credit risk management in German banks: Evidence from a quantitative survey," German Economic Review, De Gruyter, vol. 22(1), pages 63-95, February.
    3. Kalkbrener, Michael & Willing, Jan, 2004. "Risk management of non-maturing liabilities," Journal of Banking & Finance, Elsevier, vol. 28(7), pages 1547-1568, July.
    4. Alexander Kempf & Christoph Memmel, 2006. "Estimating the global Minimum Variance Portfolio," Schmalenbach Business Review (sbr), LMU Munich School of Management, vol. 58(4), pages 332-348, October.
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    More about this item

    Keywords

    Zinsergebnis der Banken;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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