528 - Off-balance-sheet diffusion: European evidence from bank-level panel data

Wetenschappelijke publicatie
Publicatiedatum 6 december 1997

Off-balance-sheet activities of various types of banks in Germany, France, Kingdom, United Belgium and the Netherlands are analysed for the years 1989-1995. The regression panel data results show that - apart from an autonomous speed of diffusion - bank characteristics, regulation and macroeconomic conditions are relevant for the off-balance-sheet diffusion pattern in Europe. This conclusion remains valid when focusing exclusively on the most common bank type, i.e. commercial banks.