. Decentralised banks, which are predominantly regional savings banks and cooperative banks in Germany, nearly account for most … techniques for retail banking, like bank-ICT and rating systems. The detailed comparison of a savings bank with a big bank … challenges regional savings-investment cycles and thus regional independency. Second, mergers, branch closures and the …

performance of commercial banks in Kenya. This study specific objective sought to determine the influence of loan portfolio … quality diversification factor on the financial performance of commercial banks in Kenya To achieve the objective the study … composed of credit directors and operation directors. A multiple regression analysis was run so as to determine the influence …