{"citation":{"bibtex":"@article{Sievers_Schlüter_Busch_Hartmann-Wendels_2016, title={Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?}, volume={49}, DOI={<a href=\"https://doi.org/10.3790/ccm.49.1.93\">10.3790/ccm.49.1.93</a>}, number={1}, journal={ Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 4 Ranking C)}, author={Sievers, Sönke and Schlüter, Tobias and Busch, Ramona and Hartmann-Wendels, Thomas}, year={2016}, pages={93–125} }","ama":"Sievers S, Schlüter T, Busch R, Hartmann-Wendels T. Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? <i> Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 4 Ranking C)</i>. 2016;49(1):93-125. doi:<a href=\"https://doi.org/10.3790/ccm.49.1.93\">10.3790/ccm.49.1.93</a>","mla":"Sievers, Sönke, et al. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” <i> Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 4 Ranking C)</i>, vol. 49, no. 1, 2016, pp. 93–125, doi:<a href=\"https://doi.org/10.3790/ccm.49.1.93\">10.3790/ccm.49.1.93</a>.","short":"S. Sievers, T. Schlüter, R. Busch, T. Hartmann-Wendels,  Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 4 Ranking C) 49 (2016) 93–125.","chicago":"Sievers, Sönke, Tobias Schlüter, Ramona Busch, and Thomas Hartmann-Wendels. “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?” <i> Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 4 Ranking C)</i> 49, no. 1 (2016): 93–125. <a href=\"https://doi.org/10.3790/ccm.49.1.93\">https://doi.org/10.3790/ccm.49.1.93</a>.","ieee":"S. Sievers, T. Schlüter, R. Busch, and T. Hartmann-Wendels, “Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?,” <i> Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 4 Ranking C)</i>, vol. 49, no. 1, pp. 93–125, 2016, doi: <a href=\"https://doi.org/10.3790/ccm.49.1.93\">10.3790/ccm.49.1.93</a>.","apa":"Sievers, S., Schlüter, T., Busch, R., &#38; Hartmann-Wendels, T. (2016). Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking? <i> Credit and Capital Markets – Kredit Und Kapital (VHB-JOURQUAL 4 Ranking C)</i>, <i>49</i>(1), 93–125. <a href=\"https://doi.org/10.3790/ccm.49.1.93\">https://doi.org/10.3790/ccm.49.1.93</a>"},"user_id":"115848","volume":49,"page":"93-125","_id":"20867","status":"public","jel":["G21","G28"],"type":"journal_article","department":[{"_id":"275"}],"date_created":"2021-01-05T11:30:36Z","abstract":[{"lang":"eng","text":"This study examines the loan-pricing behavior of German banks for a large variety of retail and corporate loan products. We find that a bank’s operational efficiency is priced in bank loan rates and alters interest-setting behavior. Specifically, we establish that a higher degree of operational efficiency leads to lower loan markups, which makes prices more competitive and smoothes the setting of interest rates. By employing state-of-the-art stochastic frontier efficiency measures to capture a bank’s operational efficiency, we take a look at the bank customers’ perspective and demonstrate the extent to which borrowers benefit from cost-efficient banking."}],"issue":"1","publication":" Credit and Capital Markets – Kredit und Kapital (VHB-JOURQUAL 4 Ranking C)","doi":"10.3790/ccm.49.1.93","main_file_link":[{"url":"https://elibrary.duncker-humblot.com/journals/id/33/vol/49/iss/1330/art/5420/"}],"language":[{"iso":"eng"}],"date_updated":"2026-04-09T08:15:05Z","publication_status":"published","intvolume":"        49","article_type":"original","year":"2016","title":"Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?","author":[{"id":"46447","first_name":"Sönke","last_name":"Sievers","full_name":"Sievers, Sönke"},{"full_name":"Schlüter, Tobias","first_name":"Tobias","last_name":"Schlüter"},{"full_name":"Busch, Ramona","first_name":"Ramona","last_name":"Busch"},{"full_name":"Hartmann-Wendels, Thomas","last_name":"Hartmann-Wendels","first_name":"Thomas"}]}