) abilities and on the sectoral concentration risk of a credit portfolio. In this paper, we examine in the first part if … cooperative banks. In the second part we measure the overall effect of better monitoring and the associated higher sectoral credit … concentrations on the credit risk of the portfolio. Our empirical results suggest that specialization benefits overcompensate the …

multiple technology regimes and group membership probabilities. The latter are conditioned on six bank traits of German banks … specific cost parameters to measure competition with Lerner indices. Large, national universal banks and the smallest, most … specialized banks exhibit the lowest level of competition. In turn, medium sized universal banks are both efficient and exhibit …

compiled from credit data at the Deutsche Bundesbank. Our aim is to gain more insight into the pattern of German bank lending …This paper studies German bank lending during the Asian and Russian crises, using a bank level data set, which has been … characterised by a general withdrawal from emerging markets. The use of micro data allows us to analyse and to model bank …

heuristic approaches which capture the deviation of a bank's portfolio from a specified benchmark. Conceivable benchmarks are … indicate contradicting results on the individual bank level. Since distance measures are more appealing from a theoretical …, may be misleading. We further find that, despite these differences on the individual bank level, both approaches reveal …