Busch, Ramona; Memmel, Christoph - In: Credit and Capital Markets – Kredit und Kapital 54 (2021) 4, pp. 641-668
Using granular data of German banks for the 2003 to 2018 period, we analyze the determinants of bank rates on retail deposits. We find that a bank's rate on sight deposits is especially low if the bank operates in rural districts, if it is not exposed to strong competition and if it provides...