... Journal of Banking and Finance, Vol. 27, pp. 1979 - 2001 Hackethal, A. (2004) German Banks and Banking Structure. In: Schmidt, R. H. and J. P. Krahnen, (Eds.) (2004) The German Financial System. ... (X6) and the proxy for liquidity mismatch (X7) are significant at the 5 and 1 percent levels and show the expected sign for the respective coefficient. Accelerating loan growth and increased ... -Santomero, A. and J. Visno (1977) Estimating the Probability of Failure for Commercial Banks and the Banking System, Journal of Banking and Finance, Vol. 1, pp. 185 – 206 Schmidt, R. H. and M. Tyrell...