Economics, Econometrics and Finance
4 years ago

Specialized banks in Germany show lower loan losses and credit risk.

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SSRN Electronic Journal
Banks’ Specialization Versus Diversification in the Loan Portfolio New Evidence from Germany
Nadya Jahn, Christoph Memmel, Andreas Pfingsten

Paper Summary

German banks specializing in specific industries have lower loan losses, with major exposures to an industry resulting in lower loss rates. Focused banks also have lower variability in loan losses.

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