significant as savings banks in Germany, at least not for SME finance. Notwithstanding recent initiatives to create a common … uneven, particularly with respect to the degree of geographical concentration. Whereas decentralisation increased in Germany … banks in Germany further increased their market share in firm financing. …

As expected, this comparison of the German and the UK banking systems shows substantial differences between the … that could improve SME finance are the so-called challenger banks, a type of bank unknown in Germany. These banks differ in …

A comparison of the German banking system with that of the United Kingdom (UK) and Spain shows Germany to be …. Decentralised banks, which are predominantly regional savings banks and cooperative banks in Germany, nearly account for most …). Federalism and strong redistribution mechanisms between the regions support decentralised banking in Germany. Furthermore, close …

shows remarkable explanatory power in Germany, as de-centralized banks increase lending at the expense of centralized banks. …