... studies the data cross-sectionally. Section 5 presents the panel analysis and provides the main results of the paper. Section 6 concludes. The Appendix contains an overview of the structure of the ... for foreign banks, they are 0.69 bps and −0.18 bps; forLandesbanks, they are 1.48 bps and 0.53 bps, and for cooperative central banks, theyare 2.82 bps and 0.51 bps. Thus Landesbanks are the ... cooperatives,they are 3.47 bps and −0.18 bps; for foreign banks, they are 2.84 bps and −0.15 bps; forLandesbanks, they are 2.83 bps and 0.50 bps; and for cooperative central banks, they are4.27 bps and...