Alternative Banking and Financial Crisis by Kurt von Mettenheim, Olivier Butzbach

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By Kurt von Mettenheim, Olivier Butzbach

The new banking obstacle has introduced into query the enterprise version utilized by so much huge banks. This choice of essays explores the good fortune of ‘alternative banks’ – rate reductions banks, cooperative banks and improvement banks, utilizing case stories from all over the world and dialogue of either the historic and theoretical context of banking practices.

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The growth of local credit cooperatives with traditional deposit-taking loanmaking balance sheets provided the basis for subsequent creation of wholesale giro operations shared by cooperatives, a development that would remain a profound competitive advantage of cooperative networks. Unlike private banks forced to maintain both retail and wholesale networks, local and regional credit cooperatives in Germany shared the cost and reaped the benefits of central giro and other wholesale activities in specially created institutions with stakeholder governance structures and the corporate cultures of alternative banking.

Millon Cornett et al. and Iannotta et al. 37 In addition, finally, Carbò Valverde et al. 38 Overall, therefore, there is solid empirical evidence showing that in many countries alternative banks are, on average, more cost-efficient, more profitable and less risky than their commercial peers. This suggests that alternative banks have realized competitive advantage over private banks. Chapter 4 presents a theoretical discussion aimed at understanding the competitive advantages of alternative banks.

2: Evolution of German savings banks, 1839–1913. Year 1839 1845 1850 1855 1865 1875 1885 1895 1900 1910 1913 Banks Offices 85 157 234 323 517 1,005 1,318 1,485 1,493 2,448 1,490 2,828 1,711 4,619 1,765 5,268 Accounts 278,147 423,542 919,513 2,209,101 4,209,453 6,876,664 8,670,709 12,900,304 14,417,642 Per 100 Avg. Balance residents Balance* balance per cap. pop. 40 * Balance = million marks, avg. and per cap. pop. balance = marks. Source: H. E. Büshegen, Zeitgeschichtliche Problemfeder des Bankwesens de Bundesrepublik Deutschland (Frankfurt: M.

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