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The German banking system is characterized by high fragmentation, low profitability and low foreign ownership. Main reason for this is its particular structure that can best be described as forced segmentation. This structure produces local banking markets. The book argues that local bank competition is not as pronounced as national concentration ratios predict and presents a bank pricing study which indicates that local banks, banks located in less densely populated areas and less productive banks tend to charge higher prices for retail bank services than banks that operate nationally. These...

Written by academics and practitioners, this book gives a state-of-the-art overview of the theoretical reasoning, the development of new analytical tools and practical experience of the space-time design of the public city in major European countries.