. Decentralised banks, which are predominantly regional savings banks and cooperative banks in Germany, nearly account for most …A comparison of the German banking system with that of the United Kingdom (UK) and Spain shows Germany to be …). Federalism and strong redistribution mechanisms between the regions support decentralised banking in Germany. Furthermore, close …

Purpose This study aims to examine the effects of prior small-scale changes to wealth on subsequent risky choices …

significant as savings banks in Germany, at least not for SME finance. Notwithstanding recent initiatives to create a common … obvious. Despite our hypotheses that Spanish savings banks were similar to German savings banks until the crisis, or at least … uneven, particularly with respect to the degree of geographical concentration. Whereas decentralisation increased in Germany …

countries. In the UK, savings banks disappeared long ago and other regional banks have never become important in lending to …. The closure of the very last local savings bank in 2017 marks the preliminary end of traditional regional banking in the … that could improve SME finance are the so-called challenger banks, a type of bank unknown in Germany. These banks differ in …

This paper re-visits the state of decentralised banking in Germany, Spain and the UK. The cross-country comparison we … conducted has identified Germany as having the most decentralised banking system, followed by Spain and the UK, as expected. The … development of regional and double-purpose banks, i.e. savings and cooperative banks, mainly account for the differences in the …

system in Germany. Therefore, the provision of occupational as well as private pensions has to be enhanced. However, there … econometrically the determinants of occupational pension provision in Germany. It shows that occupational pensions depend not only on … attributes and people's savings motives. -- Occupational Pensions ; Retirement Provision ; Demographic Change ; SMEs …