risk factors, we separate the bank-specific selection and monitoring abilities from the composition of the loan portfolio …, on average, lower loan losses, (b) the loss rate of a given industry in a bank's loan portfolio is lower if the bank has …

Efficiency is considered a key factor when evaluating a bank's performance. Moreover, efficiency enhancement is an … explicit policy objective in the Single Market Directive of the European Commission. But efficiency improvements may come at … the expense of deteriorating bank profits and excessive risk-taking. Both the quantitative effects and dynamic reactions …

specialization. We use data from the Bundesbank's quarterly borrowers statistic to determine the degree of diversification in the …

We investigate the consistency of efficiency scores derived with two competing frontier …

, risk and efficiency. Compensation analyses show strong variation in compensation schemes between banks and bank divisions … researchers and regulators. Since poor bank governance is seen as a major cause of the recent crisis, a deeper understanding is … needed how banks are governed and how bank governance is associated with performance and risk taking. This report deals with …

bank size. I combine this data set with information from almost 850,000 companies in these countries. My results show that …

Most previous research on efficiency in banking takes a regulatory perspective. In contrast, this paper investigates … the empirical relation between efficiency and profitability in five large economies of the European Union during the … period 1998-2005 and discusses the results from the perspective of corporate bank strategy. Methodologically the existing …