649 KB0 KB200920262024Košak, MarkoPopovska, Emilijaletnik:26številka:iss. 2, article 3str. 104-129DOI:10.15458/2335-4216.1337COBISSID_HOST:198081027ISSN:2335-4216URN:URN:NBN:SI:doc-UTGLWI98enEkonomska fakultetaEconomic and business reviewbančna politikabančno poslovanjebanking managementbanking policydepositsdepozitiImplementing the single supervisory mechanism in the euro area| effects on deposit structure of banks|In this paper we investigate whether the banks which fall under direct supervision by the European Central Bank (ECB) are more likely to be considered more stable and trustworthy by the depositors due to the stricter supervisory activities performed since the implementation of the Single Supervisory Mechanism (SSM). Under the SSM, significant banks switched from national supervisors to ECB, whereas the remaining banks remained under national supervisory authorities (NSAs). Using the difference-in-difference (DID) method, we have found evidence of increased depositors’ trust in significant banks after the SSM implementation. Additionally, in anticipation of the SSM launch and the comprehensive assessment, we have found evidence of increased depositors’ trust in the banks which were expected to be supervised by the ECBTEXTznanstveno časopisjejournalsSlovenian National E-content AggregatorNational and University Library of SloveniaUniverza v Ljubljani, Ekonomska fakulteta