Pirmin Fessler
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Curriculum vitaeOeNB publications
The Integrated Firm-Level Database (IFLD) combines administrative and supervisory data on Austrian firms into a unified microdata infrastructure. Its key innovation is that it links previously fragmented information on firm characteristics, financial statements, bank lending, ownership and ...
In Austria, 161,000 households (3.9%) hold crypto assets (median value: EUR 3,000). A typical crypto asset owner is rather young, male, educated and urban. Most owners entered crypto asset markets a few years ago, with new entries peaking during the COVID-19 pandemic. About 80% of Austrian ...
In Austria, insolvencies are usually tracked by simply counting the number of firms going insolvent. This study shows that such absolute counts offer only limited insight. Using weighted insolvency rates, we analyze insolvency patterns in Austria between 2019 and 2024. We find that insolvencies ...
This paper examines the impact of borrower-based macroprudential policy tightening on mortgage lending in Slovakia, focusing in particular on the role of financial advisors in shaping loan characteristics. Using a comprehensive loan-level dataset from Slovak banks, we analyze the effects of key ...