implemented in Germany, we conducted a detailed survey among supervisory board members of German banks covering their educational …. Furthermore, some of these fi ndings strongly depend on the bank’s legal form, its size and business model, suggesting that both …

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 … degree of centralisation. Whereas no such bank exists in the UK any longer and real savings banks in Spain have almost …