German savers are renowned for preferring safe, long-term investments, thus providing patient capital, with bank … heterogeneity depending on banks' governance structures. The announcement of a state guarantee for bank deposits following the …

degree of centralisation. Whereas no such bank exists in the UK any longer and real savings banks in Spain have almost …. Short operational and (especially) functional distance and embeddedness in supportive regional bank associations. Short … regional level and reduce the need for standardisation, centralisation and bank mergers in times when interest rates are low. …

. The closure of the very last local savings bank in 2017 marks the preliminary end of traditional regional banking in the … one stroke a regional and public banking group with a substantial market share by restructuring the Royal Bank of Scotland … that could improve SME finance are the so-called challenger banks, a type of bank unknown in Germany. These banks differ in …

techniques for retail banking, like bank-ICT and rating systems. The detailed comparison of a savings bank with a big bank …

What is the impact of a sudden and sizeable increase in bank capital requirements on the lending activity by directly … affected banks and by non-affected non-bank financial institutions (NBFIs)? To answer this question, we apply a difference … activities, in riskier and more competitive borrower segments, but NBFIs do not seem to rely on increased bank funding to finance …

unweighted leverage requirements, their differential impact on bank lending, and equity buffer accumulation in excess of … regulatory minima. Tighter risk-weighted capital requirements reduce loan supply and lead to an endogenous fall in bank … profitability, reducing bank incentives to accumulate equity buffers and, therefore, increasing the incidence of bank failure …

bank profits, taxpayers, and consumers. …