information on the duration, geographical proximity and scope of all bank relationships of a representative sample of households …. Our analysis is based on a sample of 470 households which have a mortgage and multiple bank relations, allowing us to … households, we find that financially sophisticated borrowers are less likely to hold their mortgage with a local bank. We find no …

We model how an information asymmetry between the lending bank and the applying firm about the currency structure of …

to bank governance we document that a higher share of financial experts on the supervisory board is associated with more …

intermediate aftermath of the crisis households significantly reduced their holding of bank deposits and increased their cash …

for over 21'000 bank clients and follows a pre-analysis plan. Average treatment effects show that the receipt of a …

for over 21'000 bank clients and follows a pre-analysis plan. Average treatment effects show that the receipt of a …

services is related to household characteristics, bank ownership structure and the development of the financial infrastructure …. At the household level we find that the holding of a bank account or bank card increases with income, wealth and … integration. Our results show that foreign bank ownership is associated with more bank accounts among high-wealth, high …

-up firms over the period 2007-2009, we find that high-tech startups are less likely to use bank finance and face more … difficulties in raising bank finance than low-tech start-ups. We find that external credit scores do affect the availability of …-tech start-ups than low-tech start-ups. Start-ups that have their main relation with a small bank use more bank finance and …