Photo Ouafa Ouyahia

Ouafa Ouyahia

Jeunes docteurs et ATER
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  • Tél. professionnel 0140975906
  • Bureau à Paris Nanterre (Bât. + num.) G301
  • Research group

      Macroéconomie Internationale, Banque et Econométrie Financière

2020-28 "Are European cooperative banks more responsible?"

Ouafa Ouyahia

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Abstract
The objective of this paper is to establish a comparison between European cooperative banks and non-cooperative banks in terms of Corporate Social Responsibility (CSR). One of the main limitations of existing studies is their inability to measure and verify the concrete application of the banks' speeches and communications in their actual practices. To remedy this problem, we try in this study to, first, evaluate the banks’ communication, and in a second step, measure the implication of the European banking sector in CSR practices. We also think that it is interesting to see the impact of the recent financial crisis on the practices of banks in terms of CSR. For this, we will consider the years 2008 and 2015. Our data are collected, for the most part, from the annual reports of banks. We have also exported some data from Fitch Connect database. Globally, banks are becoming more transparent. They provide more information in 2015 compared to 2008. Taking into account all the criteria selected, cooperative banks are better rated on average. However, some differences emerge depending on the type of information analyzed (their communications or practices), hence the importance of analyzing the practice of banks to judge their CSR, something that is not done yet in the literature.
Classification-JEL
G21, P13
Mot(s) clé(s)
Corporate Social Responsibility (CSR); cooperative banks; European banks
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2019-9 "Les banques coopératives ont-elles été plus performantes pendant les crises récentes ?"

Ouafa Ouyahia

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Abstract
This paper compares the profitability of European cooperative banks with that of non-cooperative banks over the period 2005-2014 using the generalized method of moments (SYS-GMM). We consider traditional measures of bank performance which are: return on assets (ROA), return on equity (ROE), and net interest margin (NIM). Even if these measures are not adapted to cooperative banks, they remain the most used in the literature. Our results show that cooperative banks are no more or less performant than the rest of banks when the entire period is considered. However, the sovereign debt crisis in Europe had a relatively greater effect on the performance of cooperative banks as a whole, unlike the 2008 crisis. Conversely, systemic co-operative banks appear to be relatively more performant during the sovereign debt crisis. However, no distinction is made between systemic cooperative banks and other banks during the 2008 financial crisis.
Classification-JEL
G21 ; P13
Mot(s) clé(s)
Performance, cooperative banks, the 2008 financial crisis, the sovereign debt crisis in Europe
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