American regional Banks and Spanish savings Banks, or cajas, are among those coming under increasing pressure as commercial-property portfolios suffer.

美国地区银行和西班牙储蓄银行，或者信用合作社，面临着商业资产组合受损更大的压力。

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The 537 Sparkassen (savings banks), mainly owned by municipalities, and the 12 Landesbanken, regional banks owned by state governments and savings-banks associations, account for 39% of domestic retail and corporate deposits and 35% of bank lending.

ECONOMIST: German banks

But the most impact would be on regional savings banks, such as Unicaja and CajaSur, which aren't as diversified.

WSJ: Spain Region Upsets Asset-Sale Plan

Germany's locally owned savings banks (or Sparkassen), co-operative banks and small regional banks seem still to be lending furiously to their local clients.

ECONOMIST: Germany's looming credit crunch