bank size. I combine this data set with information from almost 850,000 companies in these countries. My results show that …

degree of centralisation. Whereas no such bank exists in the UK any longer and real savings banks in Spain have almost …. Short operational and (especially) functional distance and embeddedness in supportive regional bank associations. Short … regional level and reduce the need for standardisation, centralisation and bank mergers in times when interest rates are low. …

that could improve SME finance are the so-called challenger banks, a type of bank unknown in Germany. These banks differ in …. The closure of the very last local savings bank in 2017 marks the preliminary end of traditional regional banking in the … one stroke a regional and public banking group with a substantial market share by restructuring the Royal Bank of Scotland …

techniques for retail banking, like bank-ICT and rating systems. The detailed comparison of a savings bank with a big bank …

This paper analyzes loan pricing when there is multiple banking and borrower distress. Using a unique data set on SME … estimation. The analysis allows to distinguish between rents that accrue due to single bank lending, rents that accrue due to …

Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use … implementing the right to a basic bank account with an overdraft facility and protection against attachment, establishing public …

German banking system is deemed ideal for SME finance. However, as banking regulation requires the use of rating systems for … SMEs than big banks. In fact, drawing on an ethnographic study at one German savings bank and one big bank, this paper … shows that the regional savings bank does not always reach credit decisions at a lower distance. However, at the moment when …

evidence on the initial credit decision and monitoring process exists due to the lack of appropriate data on bank debt …

During the last years the lending business has come under considerable competitive pressure and bank managers often … are able to explain the financial performance of bank lending activities. The analysis is based on the CFS-data-set that …