About me
I am a Senior Lecturer at the Department of Economics at University of Cologne (Germany). I am affiliated with the Centre for Responsible Banking and Finance, University of St Andrews Business School (UK). I obtained my PhD in Banking from the University of St Andrews.
Peer-reviewed Publications
Berger, A., Chronopoulos, D.K., Sobiech, A. L.,& Wilson, J.O.S. (2025). Taxation and Bank Liquidity Creation. Journal of Money, Credit and Banking. https://doi.org/10.1111/jmcb.70023
Sobiech A.L., Kgari, L., Nguyen, L., & Wilson, J.O.S. (2025). Implicit Guarantees and Bank Stability: Evidence from a Quasi-natural Experiment. Journal of International Economics, 104094. https://doi.org/10.1016/j.jinteco.2025.104094
Sobiech, A.L., & Uchida, H. (2025). Characteristics of Green Loan Users and the Green Policy Mix. Energy Economics, 143, 108256. https://doi.org/10.1016/j.eneco.2025.108256
Kgari, L., Nguyen, L., Sobiech A.L. & Wilson, J.O.S. (2025). Bank Business Model, Identification, Evolution and Outcomes: Evidence for South Africa. South African Journal of Economics. 0,1-26. https://doi.org/10.1111/saje.12395
Chronopoulos, D.K., Johari, E.E.C., Scholtens, B., Sobiech, A.L., Wilson, J.O.S., & Yilmaz, M.H. (2023). Competition and Bank Dividends. Journal of International Money and Finance. 102898. https://doi.org/10.1016/j.jimonfin.2023.102898
Johari, E.E.C., Chronopoulos, Sobiech, A.L. & Wilson, J.O.S. (2022). Payouts and Future Bank Profitability: The Role of Capital Distribution Plans. Review of Corporate Finance. http://dx.doi.org/10.1561/114.0000004
Sobiech, A. L., Chronopoulos, D. K., & Wilson, J.O.S. (2021). The Real Effects of Bank Taxation: Evidence for Corporate Financing and Investment. Journal of Corporate Finance, 69, 101989. https://doi.org/10.1016/j.jcorpfin.2021.101989
Chronopoulos, D.K., Sobiech, A. L., & Wilson, J.O.S. (2021). Social Capital and the Business Models of Financial Cooperatives: Evidence from Japanese Shinkin Banks. Financial Accountability & Management, 37, 460-480. https://doi.org/10.1111/faam.12282
McKillop, D., French, D., Quinn, B., Sobiech, A.L. & Wilson, J.O.S. (2020). Cooperative Financial Institutions: A Review of the Literature. International Review of Financial Analysis, 71, 101520. https://doi.org/10.1016/j.irfa.2020.101520
Johari, E.E.C., Chronopoulos, D.K., Scholtens, B., Sobiech, A.L. & Wilson, J.O.S. (2020). Deposit Insurance and Bank Dividend Policy. Journal of Financial Stability, 48, 100745. https://doi.org/10.1016/j.jfs.2020.100745
Chronopoulos, D.K., Sobiech, A.L. & Wilson, J.O.S. (2019). The Australian Bank Levy: Do Shareholders Pay?. Finance Research Letters, 28, 412-415. https://doi.org/10.1016/j.frl.2018.06.010
Chapters in Edited Volumes
McKillop, D., Sobiech, A.L., & J.O.S. Wilson (2025). Cooperative Banking. In A. N. Berger, P. Molyneux, & J. O. S. Wilson (Eds.), Oxford Handbook of Banking (4th ed.). Oxford: Oxford University Press.
Working Papers
Chronopoulos, D.K., Sobiech, A.L., Wilson, J.O.S., & Yilmaz, M.H. (2024). Corporate Objectives and Financial Reporting Quality: Evidence for US Banking.
Other Work
Chronopoulos, D.K., McKillop, D., Sobiech, A.L., & Wilson, J.O.S. (2024) Irish Credit Unions: A Viability Analysis.
Sobiech, A.L., Collignon, S., & Zau Tu, F. (2024) The Price We Pay: Informal Remittances and Transaction Costs.
Chronopoulos, D., Sobiech, A.L., & Wilson, J.O.S. (2018). Taxation and Financial Intermediation, Evidence from a Quasi-Natural Experiment. Centre for Responsible Banking & Finance Working Paper 18-001. crbf.wp.st-andrews.ac.uk/files/2023/04/RBF18_001.pdf
Chronopoulos, D., Sobiech, A.L., & Wilson, J.O.S. (2017). Future Issues in Bank Taxation. Future Horizons Conference, Financial Conduct Authority, London.
Kgari, L., Nguyen, L., Sobiech A.L. & Wilson, J.O.S. (2024). Bank Business Model, Identification, Evolution and Outcomes: Evidence for South Africa. South African Reserve Bank Working Paper. www.resbank.co.za/content/dam/sarb/publications/working-papers/2024/bank-business-model-identification-evolution-and-outcomes-evidence-for-south-africa.pdf
Sobiech, A.L., & Uchida, H. (2023). Characteristics of Green Loan Users and the Green Policy Mix. RIETI Research Paper. www.rieti.go.jp/jp/publications/dp/23e072.pdf