Busch, Ramona; Memmel, Christoph - 2022
Using granular data of German banks for the 2003 to 2018 period, we analyse the determinants of bank rates on retail … deposits. We nd that a bank's rate on sight deposits is especially low if the bank operates in rural districts, if it is not … exposed to strong competition and if it provides much service. Regarding the rates on term deposits, we nd that the bank …