examination of credit files of five leading German banks, thus relying on information actually used in the process of bank credit … decision-making and contract design. In particular, bank internal borrower ratings serve to evaluate borrower quality, and the … bank's own assessment of its housebank status serves to identify information-intensive relationships. Additionally, we used …

This paper estimates the exporter premium in bank lending. We examine credit relationships in Germany, covering all … bank characteristics, our results indicate that exporting firms take out loan s around 15 percent larger than those of non-exporters. …

We investigate the importance of firm-bank relationships for the international transmission of bank distress to the … real economy. Using a large panel of matched financial statements of firms of all sizes and their relationship banks in … Germany, we find that banks with losses from proprietary trading activities during the 2007/8 financial crisis decreased their …