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Further research articles

Selected presentations as well as fundamental analyses which were published as part of earlier publication series such as Current Issues or Research Briefing can be found under the heading Further research articles.
12 Documents
September 21, 2015
In German corporate lending business, the role played by the different banking groups varies considerably between individual industries. For instance, a relatively large share of loans to the manufacturing sector – and particularly the "core" of German industry, mechanical engineering and automotives – is provided by commercial banks. Lending to construction and agricultural firms, on the other hand, is dominated by savings banks and cooperative banks. The retail banks have also gained significant ground in the services sector over the past 10 years. Landesbanks have only two strongholds, utilities/mining and transport. [more]
May 2, 2012
Deposits are the most important source of funding for European banks, providing about 60% of the total. At the same time, private-sector deposits tend to be less volatile than other funding instruments. The importance of deposits is set to increase even further in the medium term because of new regulatory requirements and higher levels of risk aversion at banks. Boosting deposit volumes could enable moderate growth in bank assets and thus also an increase in lending to the private sector over the coming years. However, this would require that households hold a larger share of their savings in the form of deposits and invest a smaller proportion in insurance policies. [more]