this end we measure diversification for all German banks in the period from 1993 to 2002. As measures we use a broad set of … heuristic approaches which capture the deviation of a bank's portfolio from a specified benchmark. Conceivable benchmarks are … naive diversification across all industries or, alternatively, the economy's industry structure. With this framework our …

specialization. We use data from the Bundesbank's quarterly borrowers statistic to determine the degree of diversification in the …

Should banks be diversified or focused? Does diversification indeed lead to enhanced performance and, therefore … banks? profitability (ROA) and their portfolio diversification across different industries, broader economic sectors and … geographical regions measured by the Herfindahl Index. To explore this issue, we use a unique data set of the individual bank loan …

, and the bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by …

This paper examines the relationship between central bank funding and credit risk-taking. Employing comprehensive bank …-firm-level data from the German credit registry during 2009:Q1-2014:Q4, we find that borrowing from the central bank is associated … with rebalancing of bank portfolios towards ex-ante riskier firms. We further establish that this relationship is …

This paper uses matched bank-firm-level data and the 2014 depreciation of the euro to show that exchange rate … depreciations lead to increased bank loan supply of large banks with significant net foreign asset exposure. This increase in …

The paper examines whether bank diversification in multiple dimensions can protect bank lending from uncertainty shocks … significantly alleviated by bank diversification in the loan portfolio, income, and funding aspects. Our findings offer practical … implications for regulators and banks themselves: bank diversification can effectively act as a lending shock absorber in periods …

We provide the first empirical tests for financial protectionism, defined as a nationalistic change in bank's lending … foreigners. We use a bank-level panel data set spanning all British and foreign banks providing loans within the United Kingdom …