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The impact of the introductionof the digital Euro on financial stability-an outlook on money creation and capital adequacy
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The Digital Euro is a digital currency, to be issued by the ECB and made available to residents of the Euro Area. This thesis examines the potential systemic impact of CBDC on financial stability, with a focus on banks' balance sheets. The study investigates the implications of a
CBDC on capital adequacy, credit risk, and liquidity risk, addressing gaps in the existing literature and providing a comprehensive analysis of key balance sheet components. By exploring a scenario with no holding limits, the research offers insights into strategic and regulatory challenges associated with CBDC integration, intending to ensure stability and resilience in the financial system.
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Digital Euro Financial stability Deposits outflow Funding sources Liquidity risks Money creation Capital adequacy Capital requirements NPL ratio Bank risk