universal banks in the last decade. Both have failed, largely as a result of competitive concerns. …

in German banks. The results show, that today the Internet is indeed the most important information source for many types … of information used in the business processes of banks. Especially sources free of charge are not only used widely, they … necessary for the banks to actively incorporate the Internet into the quality management processes. …

Appropriate counselling interviews, fair credit conditions and the bank’s support in the case of delinquency constitute … creative leeway has been left for instalment loans. We sketch the results of a credit test encompassing a broad range of banks … insurances among the tested banks thus delivering some proof of irresponsible lending. As a way out we discuss a return to …

whether banks are sufficiently resilient to stress effects, which can arise if the economy suffers an unexpected downturn, for … example. This might coincide with system-wide deleveraging if banks are insufficiently resilient. Systemwide deleveraging, in … take multiple first-round scenarios into account. The sequence comprises (i) the loss-absorbing capacity of banks in the …

The rise in interest rate levels in 2022 led to large losses in German banks' bond portfolios. The resulting unrealised … results show how quickly the losses incurred by banks can likely be offset and how quickly risks arising from unrealised …