examination of credit files of five leading German banks, thus relying on information actually used in the process of bank credit …

firms. The study is based on the credit files of the respective firms. If no problems occur in these lending relationships …, the traditional view of credit assessment as observation of the quality of a borrower's investment programme needs to be …

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 …

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 …

Using a unique data set on German banks' loans to the German real economy, we investigate banks' credit risk. This data …-2011 yields the following results: (i) alongside the average nationwide credit loss rate, industry composition, regional factors …-wide loss rates in the credit portfolio. (ii) The nationwide loss rate has the largest impact, followed by the maturity …