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The Safety of Deposits in EU Banks in View of Cyprus’s Bailout Tax

100%
Kondej M.
Adam Mickiewicz University Law Review
|
2014
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vol. 4
213-219
EN
The aim of the study is to evaluate the right to property in the context of the safety of bank deposits in the European Union. In order to present that topic the author focus on the example Cyprus’s bailout tax concluding that it should be stated that deposits in banks are never completely safe.
2
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The Origins and Evolution of Deposit Banking Activities – Analysis of the Literature

100%
Mikliński M.
Financial Law Review
|
2021
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vol. 22
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issue 3
128-145
EN
The current norms governing deposit banking activities are the result of a centuries-old evolution of the construct of bank account, the legal nature of bank account, the subject of deposit, and banking institutions themselves. Different civilizations and cultures have contributed to the shaping of deposit activities. The aim of the article is to present and discuss, from a historical-legal point of view, the origin and unfolding of deposit banking activities over time: from antiquity, through the Middle Ages, the early modern period, to modern times. The deliberations are set against a broader financial and legal backdrop to include the transformation of economic power that accompanies deposit activities, expressed in the form of: commodity money, bullion, paper money, and funds. The picture of evolution is completed by the emerging institutions of supervision, capital requirements or deposit guarantee schemes, constituting a series of normative solutions adopted due to the need to provide a framework for deposit activities that would prioritize the security of the depositor. The study, due to its historical-legal character within the scope of detailed sciences, does not aim at applying the conclusions in legal practice or in the theoretical-legal dimension. It serves to collect and show the already acquired historical-legal knowledge about the foundations of contemporary normative solutions of bank deposit activities. In order to achieve the research goal, the study uses the research method of critical literature review. Thus, a reference was made to scientific historical- legal and historical studies, from the point of view of a selected research problem, which has not been elaborated in a cross-sectional manner so far.
3
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Open-end debt investment funds and bank deposits in Poland 1995-2015. A comparison of the a posteriori probability (chance) of failure to achieve the level of aspiration

100%
Dittmann I.
Econometrics. Ekonometria. Advances in Applied Data Analytics
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2016
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issue 2 (52)
77-97
EN
The aim of the study was to compare, a posteriori, the probabilities (chances) of failure to achieve the level of aspiration (expressed in expected rates of return) on open-end debt investment funds (debt OEF), as well as the rates of return on bank deposits in Poland in light of different investment horizons. The data covered the periods of operation of each individual fund. The values for the probability of not achieving the level of aspiration (PNAL) have been calculated on the basis of empirical probability distributions of the rates of return on funds and bank deposits, obtained through the use of a rolling window of observation. Studies have shown the existence of a lower limit for the level of aspiration, the achievement of which is required in order for investment in a fund to be chosen over investment in a bank deposit. Based on research on the investment horizons which had, in the past, guaranteed the achievement of a given rate of return on a fund, both good and bad funds were identified. The results were largely influenced by the very high interest rate on bank deposits in Poland in the period 1995 – 2001 (in the case of the oldest funds) and by the boom on the Treasury bond market in 2011 – 2012 (for the youngest funds).
4
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Ubezpieczenia na życie z UFK – analiza efektywności inwestycji

51%
Borys M., Stępińska J.
|
2022
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vol. 2
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issue 34
27-48
EN
Unit-linked life insurance products have been launched in Poland since the 90s. Their characteristic feature is the advantage of the investment component over the insurance one. The structure of the products and the terms of the contract caused a number of controversies as to the effects of the investment. The article demonstrates if and how the rate of return on investment in a unit-linked life insurance product depends on its structure, and whether these products allowed to achieve higher rates of return than the rates of return achieve on investment in bank deposits. There were analyzed selected unit-linked life insurance products. For these products average annual historical rates of return from the funds have been calculated. The results were compared with an investment in a bank deposit. It was found that structure of the products affects on the result of the investment. It was also found that rates of return obtained from the analyzed products were low and in most cases did not compete with bank deposits. The compensation for the low efficiency of these products could not be covered by insurance component because in case of this category of insurance products it was limited to the minimum.
PL
Produkty ubezpieczeniowe z UFK funkcjonują w Polsce od lat 90-tych XX wieku. Ich charakterystyczną cechą jest przewaga komponentu inwestycyjnego nad ubezpieczeniowym. Konstrukcja produktów oraz warunki umowy wzbudziły szereg kontrowersji co do uzyskiwanych efektów inwestycji. Autorzy artykułu zbadali, czy i jak wielkość stopy zwrotu z inwestycji w produkt z UFK zależna jest od jego konstrukcji oraz czy większość UFK przypisanych do danego produktu pozwalała na osiągnięcie przez produkt stóp zwrotu (po uwzględnieniu opłat) przewyższających stopę zwrotu z inwestycji wolnej od ryzyka. Produkty ubezpieczeniowe z UFK można podzielić na kilka grup. W artykule analizie poddano reprezentatywne produkty jednej z nich. Obliczono dla nich średnioroczne historyczne stopy zwrotu z przypisanych do tych umów funduszy. Następnie uzyskane wyniki porównano z inwestycją w lokatę bankową. Stwierdzono wpływ konstrukcji umowy na wartość końcową rachunku klienta. Wyniki analizy wskazują, że stopy zwrotu uzyskiwane z badanych produktów były niskie i w większości przypadków nie stanowiły konkurencji do lokat bankowych. Rekompensaty niskiej efektywności tych produktów nie mogła stanowić ochrona ubezpieczeniowa, bo w przypadku tej kategorii produktów ubezpieczeniowych była ona maksymalnie ograniczona.
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