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Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use … of financial services. However, the most vulnerable individuals and small enterprises in Germany tend to be excluded or …
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significant as savings banks in Germany, at least not for SME finance. Notwithstanding recent initiatives to create a common … uneven, particularly with respect to the degree of geographical concentration. Whereas decentralisation increased in Germany … banks in Germany further increased their market share in firm financing. …
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