Strategia transferu jako skuteczna metoda resolution - rozważania teoretyczne i wnioski z dotychczasowych doświadczeń

Anna Dobrzańska

doi:10.26354/bb.2.1.98.2025

Published : 2025-05-09

Vol. 98 No. 1 (2025)

Transfer strategy as an effective resolution method - theoretical considerations and lessons learnt so far

Anna Dobrzańska

https://orcid.org/0000-0002-8243-9716

DOI: https://doi.org/10.26354/bb.2.1.98.2025

Abstract

The experience gathered in recent years has shown that the dominant method used in bank resolution is the transfer strategy which involves transfer of all or selected assets and liabilities from the problem bank to the new, market acquirer. The analysis outlined in this article indicates a number of advantages of the transfer strategy compared to the alternative bail-in strategy or a standard insolvency proceedings. In particular, the transfer strategy allows for setting lower requirements in terms of the bank’s internal loss absorbing capacity, which make it particularly suitable for smaller deposit-funded banks. However, the success of a transfer strategy depends on several factors and its implementation requires adequate preparation. The article attempts to outline the most important determinants of a successful transfer strategy.

Keywords:

transfer strategy, bail-in strategy, resolution, crisis management

JEL Codes

G01, G21, G28, H12

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Dobrzańska, A. (2025). Transfer strategy as an effective resolution method - theoretical considerations and lessons learnt so far . Safe Bank, 98(1), 34–57. https://doi.org/10.26354/bb.2.1.98.2025

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