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This paper investigates the impact of IT standardization on bank performance based on apanel of 457 German savings banks over the period from 1996 to 2006. We measure ITstandardization as the fraction of IT expenses for centralized services over banks' total ITexpenses. Bank efficiency, in turn,...
This paper is a draft for the chapter German banks and banking structure of the forthcoming book The German financial system edited by J.P. Krahnen and R.H. Schmidt (Oxford University Press). As such, the paper starts out with a description of past and present structural features of the German...