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Germany's Three-Pillar Banking System
			: Cross-Country Perspectives in Europe

Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe »

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

DOI: http://dx.doi.org/10.5089/9781589063488.084

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

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...

Appendix I Data Sources

Appendix I Data Sources »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

Some of the data used to compute banks’ performance indicators come from the Fitch IBCA database. This database compiles data from individual banks’ balance sheets and income statem...

Appendix II Gauging the Market Value of Guarantees

Appendix II Gauging the Market Value of Guarantees »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

The objective of this appendix is to use the Fitch IBCA ratings data to understand how the rating agency perceives the market value of public ownership and guarantees. Ratings data are available for those ba...

Appendix III Does Public Sector Bank Lending Behavior Differ?

Appendix III Does Public Sector Bank Lending Behavior Differ? »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

Some aspects of the behavior of public sector bank lending can be analyzed by running the following regressions....

Appendix IV Reforms of Public Sector Banks in the European Union

Appendix IV Reforms of Public Sector Banks in the European Union »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

This appendix explains briefly the public sector bank reforms implemented in Austria, France, Italy, Spain, and Sweden. Austria Austria ha...

I Overview

I Overview »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

Germany’s banking system is composed of three pillars—public sector banks, cooperatives, and commercial banks—which differ with respect to ownership and objectives. The public sector banks—comprising the Lan...

II What Does the Three-Pillar System Look Like?

II What Does the Three-Pillar System Look Like? »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

Germany’s banking sector comprises a large number of credit institutions—totaling 2,696 in 2001—and is structured along three pillars: public sector banks, cooperatives (“Genossenschaftsbanken”), and commerc...

III Three-Pillar Banking in Europe

III Three-Pillar Banking in Europe »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

France, Italy, Spain, and the United Kingdom are comparable to Germany in terms of size, development of financial markets, macroeconomic conditions, and, for the most part, broad institutional framework. Thi...

IV How Will the Phaseout of Guarantees Affect the Public Sector Banks?

IV How Will the Phaseout of Guarantees Affect the Public Sector Banks? »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

Public sector banks presently enjoy the benefits of state guarantees. These guarantees—the “Anstaltslast” (maintenance obligation) and “Gewährträgerhaftung” (liability obligation)—ensure that public sector b...

V Structural Adaptation in the German Banking System

V Structural Adaptation in the German Banking System »

Source: Germany's Three-Pillar Banking System : Cross-Country Perspectives in Europe

Series: Occasional Papers

Author(s): International Monetary Fund

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 21 June 2004

ISBN: 9781589063488

Keywords: Banking systems, banking, savings banks, commercial banks, banking system, savings bank

Without public sector guarantees, the Landesbanken need to increase their revenues and cut costs. This will also affect the Sparkassen because they are part owners of the Landesbanken and because they are li...