This paper investigates the performance of Germany's three-pillar banking system in providing financial services nationwide, regarding different outreach indicators. At the federal state level, bank outreach shows South-North and West-East gaps. Combining regional and bank data at the district...

Der Beitrag untersucht die flächendeckende Bereitstellung von Finanzdienstleistungen durch das deutsche Dreisäulen-Bankensystem, wobei unterschiedliche Indikatoren der Reichweite betrachtet werden. Auf der Ebene der Bundesländer zeigen sich Süd-Nord- und West-Ost-Gefälle. Durch Verknüpfung...

This paper investigates the performance of Germany's three-pillar banking system in providing financial services nationwide, regarding different outreach indicators. At the federal state level, bank outreach shows South-North and West-East gaps. Combining regional and bank data at the district...

Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use of financial services. However, the most vulnerable individuals and small enterprises in Germany tend to be excluded or credit constrained. The quality of financial inclusion is...

This paper examines the composition of supervisory boards of German banks for a sample of 41 large banks in the period 1999-2006. We find that the supervisory board structure reflects both outside control by shareholders and inside control by stakeholders. Most of the non-employee board members...