Discussion Paper Deutsche Bundesbank No 26/2012 Determinants of the interest rate pass-through of banks - evidence from German loan products Tobias Schlüter Thomas Hartmann-Wendels (University of Cologne) (University of Cologne) Ramona Busch Sönke Sievers (Deutsche Bundesbank) (University of Cologne) Discussion Papers represent the authors‘ personal opinions and do not necessarily reflect the views of the Deutsche Bundesbank or its staff.