When looking at the Spanish banking market through a German lens, the differences between the banking markets in these countries and between decentralised and centralised systems with regard to the SME]credit decision]making process become obvious. Despite our hypotheses that Spanish savings...

A comparison of the German banking system with that of the United Kingdom (UK) and Spain shows Germany to be decentralised not only regarding the distribution of banks, but also its financial and political system more generally. Decentralised banks, which are predominantly regional savings banks...

With firms searching for secured external funding by engaging in multiple bank relationships on the one hand and banks for profit maximization on the other hand, conflicts of interests may arise when firms' banks demand access to corporate private information. This information can help banks to...

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 development of regional and double-purpose banks,...

As expected, this comparison of the German and the UK banking systems shows substantial differences between the countries. In the UK, savings banks disappeared long ago and other regional banks have never become important in lending to business. Instead, the five large commercial banks dominate...

Financial Inclusion plays a major role in the progress of every nation and for a country like India where Banks are the significant players in the field of socio-economic development, this industry should concentrate the most on financial inclusion to eradicate financial elimination. To Study...

We study how information sharing between banks influences the geographical clustering of branches. We construct a spatial oligopoly model with price competition that explains why bank branches cluster and how the introduction of information sharing impacts clustering. Dynamic data on 59,333...

This study explores the effect of spatial competition as well as other factors (i.e. bank-specific characteristics, industry-specific characteristics, and macroeconomics variables) on rural banks performance (profitability and efficiency) in Indonesia. A distance proxy (physical distance from a...

This paper examines the herd behavior of regional banks during financial fluctuations using loan data on Japanese banks from the 1980s to the 1990s. We use the herding measure developed by Lakonishok, Shleifer, and Vishny (1992) and Uchida and Nakagawa (2007) to detect evidence of herding and...

If banks' performance is to be be evaluated against the objectives they actually pursue, assessments of stakeholder-oriented banks should go beyond financial efficiency. Furthermore, also the environment these institutions operate in has to be kept in mind when interpreting levels of managerial...