This paper examines how Basel III capital reforms affected bank lending in Ger- many. We focus on the increase of …-based capital regulation significantly affected low capitalized banks. The impact depends on a bank's credit risk model, i ….e. whether a bank applies the standardized approach (SA) or an internal ratings-based approach (IRBA) to determine risk weights …

products. We find that a bank’s operational efficiency is priced in bank loan rates and alters interest-setting behavior … frontier analysis to comprehensively capture cost efficiency, we take the bank customers’ perspective and demonstrate the … ; bank efficiency ; cost efficiency ; stochastic frontier analysis …

policymakers’ efforts to strengthen bank capitalization. …

. For this purpose, we employ administrative panel data on 28,600 manufacturing firms from German Statistical Offices …

representative panel data set of firms in Germany from 2002-2016, complemented by detailed geographic information of patent activity …

This paper analyses the impact of financial frictions on markup adjustments at the firm level. We use a rich panel data … response to negative bank-loan supply shocks, while less exposed firms generally reduce them. Further empirical analyses …