, NIM is significantly influenced by the different institutional designs of bank-based or capital-basaed finanfical markets …. Second, there are differences in NIM caused by bank size, although these are not fully captured by our methodology. Finally …, we show significant differences by bank type: saving banks, real estate and mortgage banks, and cooperative banks report …

for up to 5 years between 2013 and 2017. I identify the main locations of European bank's profits, which include the …