to non-banks do not transform sight deposits into illiquid assets as intensively as savings banks with high shares of non-bank …For their short-term payment obligations, savings banks hold substantially more liquid assets than the liquidity … regulation requires. This paper investigates whether sight deposits, an important funding source for savings banks, help in …

This paper shows that the substantial disparity in German bank lending towards industrial (IC) and non-industrial (Non …-IC) countries is largely explained by differences in countries' endowments and only to a minor extent by German banks' different …

interbank market that allows for a cross-regional risk sharing between banks. We also provide a measure for the efficiency …

This paper describes the first thorough analysis of the interest risk of German banks on an individual bank level. We … develop a new method that is based on time series of accountingbased data to quantify the interest risk of banks and apply it … to analyze the German banking system. We find evidence that our model yields a significantly better fit of banks …

provide evidence in favor of the bank capital channel theory. Banks holding less regulatory capital and less interbank …Based on a quarterly regulatory dataset for German banks from 1999 to 2004, this paper analyzes the effects of banks …

Should banks be diversified or focused? Does diversification indeed lead to enhanced performance and, therefore …, greater safety for banks, as traditional portfolio and banking theory would suggest? This paper investigates the link between … banks? profitability (ROA) and their portfolio diversification across different industries, broader economic sectors and …

-owned savings banks. Contemporaneously, banks in both markets engaged heavily in mergers and acquisitions. We analyze how these … directions since then: Italy privatized its publicly-owned banks while Germany has maintained a large share of state … activities have affected banks' productivity in the period 1994-2004, differentiating between technical change, efficiency change …

The aim of this paper is to assess how German savings banks adjust capital and risk under capital regulation. We …-US banks by using a new dataset of supervisory data collected by the Deutsche Bundesbank. We find evidence that the … coordination of capital and risk adjustments depends on the amount of capital the bank holds in excess of the regulatory minimum …

size and control both explicitly for bank mergers and for the increase in the average bank size in the course of the … on bank credit and as they represent the vast majority of the corporate sector reduced credit availability for those … German credit register and balance sheet data of German firms and banks we find - contrary to public fear - that the ongoing …