minimum standard is unlikely to exhibit adverse consequences for credit supply and bank profitability. …

credit demand-side factors. The public mandate is set by local governments and stipulates a deviation from strict profit … percent less cyclical than other local banks. The result is credit supply-side driven and especially strong for savings banks …

lending can be explained by a shift in credit towards both export-intensive firms and small banks without foreign asset … exposure that have a higher share of exporting firms in their credit portfolio. We also find that German regions where these …

and by the central institutions of savings banks and credit unions. Third, for the banks affected by the levy, we find …

German credit register to show that asset scarcity had real effects: Banks more exposed to asset scarcity increased their … credit supply. …

credit growth and the severity of the financial crisis, we find that countries with stronger FSCs are more likely to use the …

Using a unique data set on German banks' loans to the German real economy, we investigate banks' credit risk. This data … the period 2003-2011 yields the following results: (i) Beyond the nationwide credit loss rate, industry composition, and … regional factors, the loans' maturity structure is found to drive the bank-wide loss rates in the credit portfolio. (ii) The …