Seeking simplicity


The distribution system operating in the German structured products market ensured that the Lehman Brothers collapse in September 2008 caused more upheaval than was the case in many other countries. Unlike the highly concentrated UK or French markets, where mass-affluent investors often buy products direct from banks with which they already have a relationship, the German distribution system has historically been open to third-party providers.

Co-operative and savings banks distribute products l

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