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Can German savings banks avoid regional downward spirals? An insufficient number of banks in weak regions can perpetuate a cumulative downward process and increase regional disparities. In case of Germany the regionally-limited savings banks are of special interest for regional development as they are deeply involved in local and regional economy. This paper deals with savings banks from theoretical and empirical point of view and discusses the question whether savings banks in poor regions are economically as successful as in prosperous regions and, whether they can outrun ‘downward spirals’ in less developed regions.

Sparkassen als Akteure der regionalen Strukturpolitik: Sind sie in strukturschwachen Regionen hinreichend erfolgreich?