deposit customers. In the past, bank regulation has often been blamed for undermining competition and the functioning of … derived from imperfect competition in markets for financial services is implied, which banks exercise vis-à-vis their loan and … tries to shed some light on the historical development and current state of bank regulation in Germany. In so doing, it …

multiple technology regimes and group membership probabilities. The latter are conditioned on six bank traits of German banks … specific cost parameters to measure competition with Lerner indices. Large, national universal banks and the smallest, most … specialized banks exhibit the lowest level of competition. In turn, medium sized universal banks are both efficient and exhibit …

The German financial system is characterized by lower degrees of penetration by foreign commercial banks and of (bank …