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Wilko Bolt
Researcher at De Nederlandsche Bank
Publications - 107
Citations - 2137
Wilko Bolt is an academic researcher from De Nederlandsche Bank. The author has contributed to research in topics: Payment & Payment service provider. The author has an hindex of 23, co-authored 105 publications receiving 1947 citations. Previous affiliations of Wilko Bolt include International Monetary Fund & VU University Amsterdam.
Papers
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Journal ArticleDOI
Bank Profitability During Recessions
TL;DR: In this article, the relation between bank profitability and economic downturns using a theoretical model that takes into account the bank's lending history as well as amortization and losses on outstanding loans.
Journal ArticleDOI
Incentives at the counter: An empirical analysis of surcharging card payments and payment behaviour in the Netherlands
TL;DR: In the Netherlands, retailers are allowed to surcharge consumers for debit card use as discussed by the authors, and the effect of surcharging on merchant acceptance and consumer payment choice has been analyzed based on consumer and retailer survey data, showing that surcharging steers consumers away from using debit cards towards cash.
Journal ArticleDOI
Banking Competition, Risk and Regulation*
Wilko Bolt,Alexander F. Tieman +1 more
TL;DR: In this article, the authors show that more stringent capital adequacy requirements lead banks to set stricter acceptance criteria, and that increased competition in the banking industry leads to riskier bank behaviour.
Journal ArticleDOI
Bank profitability during recessions
TL;DR: In this article, the authors investigated the relationship between bank profitability and economic activity and found that loan losses are the main driver of bank profitability, while long-term interest rates in previous years were important determinants of bank profit in times of high economic growth.