Despite the relevance of credit financing for the profit and risk situation of commercial banks only little empirical … evidence on the initial credit decision and monitoring process exists due to the lack of appropriate data on bank debt … variables taken from the credit files of five major German banks. It is a random sample drawn from all customers which have …

During the last years the lending business has come under considerable competitive pressure and bank managers often … are able to explain the financial performance of bank lending activities. The analysis is based on the CFS-data-set that …