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1 The main statements in this article are taken from the report ‚Untersuchung der Grundlagen und Entwicklungsperspektiven des Bankensektors in Deutschland (Dreisäulensystem)‘ for the Federal Ministry of Finance, cf. www.diw.de/deutsch/produkte/publikationen/gutachten/aktuell/index.html.. Changes in the German Banking Sector. Economic Bulletin 41, 235–238 (2004). https://doi.org/10.1007/s10160-004-0282-x
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DOI: https://doi.org/10.1007/s10160-004-0282-x