This paper investigates the performance of Germany's three-pillar banking system in providing financial services … nationwide, regarding different outreach indicators. At the federal state level, bank outreach shows South-North and West …-East gaps. Combining regional and bank data at the district level for 2005, we examine the determinants of geographic and …

This study reviews the existing literature on the determinants of bank-level deposit volatility and is the first to …, bank equity capitalization and funding risk that are identified as further determinants. Besides mapping avenues for future … research, the findings are relevant for bank management since they may help to improve efficiency of risk management routines …

estimation. The analysis allows to distinguish between rents that accrue due to single bank lending, rents that accrue due to …

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 …