Kiel Working Papers, Kiel Institute for World Economics
No 1225:
Structures and Trends in German Banking
Michael Koetter, Thorsten Nestmann, Stéphanie Stolz and Michael Wedow
Abstract: In this paper, we investigate the claim that German banks
are special compared to banks in other industrialised economies. We show
that banks are of particular importance to the German economy—as financial
intermediary, as lender to the corporate sector, and as part of the
corporate governance system. Further, German banks are supervised by two
supervisory institutions and have the highest deposit insurance in the
world. And last but not least, German banks are numerous, perform poorly,
and are part of a historically grown three-pillar system. Hence, German
banks can indeed be characterised as unique when compared to other
industrialised economies.
Keywords: Germany, Banks, Financial Systems, Corporate Governance, Three Pillar System, Bank Regulation; (follow links to similar papers)
83 pages, September 2004
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