-interest rate environment, which fundamentally changed the business environment for the Japanese commercial banks. On the income … side, with interest margins becoming increasingly depressed, net interest revenues declined, which forced the banks to … expand revenues from fees and commissions. The banks had to cut costs by reducing the number of employees, closing branches …

-interest rate environment, which fundamentally changed the business environment for the Japanese commercial banks. On the income … side, with interest margins becoming increasingly depressed, net interest revenues declined, which forced the banks to … expand revenues from fees and commissions. The banks had to cut costs by reducing the number of employees, closing branches …

financiers of Small- and MidsizedEnterprises (SMEs) especially those in Germany. The deposit conditions of the savings banks … savings banks in carrying out their public mandate to support the economy with loans. …

's closely tied to economic growth; when used as collateral by banks, rising real estate prices may decrease both expected and … actual losses; and banks may become less risk averse in lending practices in the presence of rising property prices … savings banks, however, we find that real estate prices have little or no impact on savings banks' credit portfolio risk or …

the wake of the 1998 Japanese financial crisis. We show how the low-cost liquidity provision as a means to stabilize banks … compressed interest margins as the traditional source of banks' income. Efficiency scores are compiled to estimate the effect of … the Bank of Japan's monetary policy on banks' technical efficiency. The estimation results provide evidence that the …

Motivated by the recent discussion of the declining importance of deposits as banks' major source of funding we … investigate which factors determine funding costs at local banks. Using a panel data set of more than 800 German local savings and … cooperative banks for the period from 1998 to 2004 we show that funding costs are not only driven by the relative share of …

1998 Japanese financial crisis. It shows how low-cost liquidity provision as a means to stabilize banks has created a … growing gap between deposits above lending and has compressed interest margins as the traditional source of bank’s income …. Efficiency scores are compiled to estimate the impact of monetary policy crisis management on the efficiency of banks. The …

1) D.T. Llewellyn, " The future for small & regional banks in Europe" 2) R. Ortner, " What future for regional banks …, regional financial organisations, be they banks, stock exchanges or other financial entities. This line of argument leads to …

By lending to SMEs at low geographical distance, banks can realise competitive advantage due to enhanced access to soft … information that allows the better screening of firms. As especially regional banks lend at a low distance, the decentralised … screening, it can no longer be assumed that modern regional banks “naturally” conduct credit decisions at lower distances to …

of decentralisation differ between the two crises: while a greater spread of regional banks was associated with economic …. Future studies of pandemic recovery paths will show if regional banks have lost their ability for countercyclical funding, or …