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Germany's Three-Pillar Banking System


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  • International Monetary Fund


German banks tend to be less profitable than their foreign counterparts. This paper estimates the likely effect of the phaseout of state guarantees for public sector banks, reviews the various ways in which public policy could contribute to their restructuring, and discusses the various arguments for and against public involvement in banking.

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Bibliographic Info

Paper provided by International Monetary Fund in its series IMF Occasional Papers with number 233.

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Length: 52
Date of creation: 21 Jun 2004
Date of revision:
Handle: RePEc:imf:imfocp:233

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Postal: International Monetary Fund, Washington, DC USA
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Keywords: Banking systems; banking; savings banks; commercial banks; banking system; savings bank; public sector; cooperative bank; bank profitability; credit institutions; capital markets; net interest margin; financial strength; bank ratings; mortgage bank; bank performance; return on assets; banking services; state guarantees; joint stock; capital market; banking system assets; banking market; national bank; banking sector; revenue mobilization; tier 1 capital; bank lending; interest expense; bank competition; banking industry; bank business; bank credit; retained earnings; public interest; interbank market; insurance companies; bank lending behavior; banking business; holding company; banking system developments; banking sectors; deposit insurance; bank reform; financial strength rating; bank holding; banking crisis; bank holding company; branch banking; bank behavior; banking system asset; level playing field; bank holdings; private companies; bank debt; stock exchange; bank groups; bank of england; bankers; bank act; bank subsidiary; universal banking; bank law; bank rating; bank ownership; bank failures; bankers association; return on equity; bank reforms; country comparison; savings accounts; bank crisis; segmentation; banks? balance sheets; financial intermediation; banking supervision; bank restructuring; banking activities; investment banking; deposit guarantee; bank stock; retail banking; income statement; banking associations; cooperative banking;


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