choices. We employ data on over 6,000 commercial loans from 53 large U.S. banks. Our results for low-risk firms are consistent …

We use bank level data to study the efficiency of banks in Sub-Saharan African middle-income countries and provide … possible explanations for the difference in the efficiency levels of banks. We find that banks, on average, could save 20 …-30 percent of their total costs if they were operating efficiently, and that foreign banks are more efficient than public banks …

We study a banking model in which banks invest in a riskless asset and compete in both deposit and risky loan markets … explore these predictions empirically using a cross-sectional sample of 2,500 U.S. banks in 2003, and a panel data set of … about 2600 banks in 134 non-industrialized countries for the period 1993-2004. With both samples, we find that banks …

Bank profits are high in Sub-Saharan Africa (SSA) compared to other regions. This paper uses a sample of 389 banks in …

period studied. State-owned banks are found to be more cost-efficient (likely owing to cheaper funds) and cooperative banks … to be about as cost-efficient as private banks. Increasing economies of scale but decreasing economies of scope provide … rationale for M&As among banks with similar product portfolios. Interbank and capital market funding is found to be more cost …

We use data for more than 2,600 European banks to test whether increased competition causes banks to hold higher … capital ratios. Employing panel data techniques, and distinguishing between the competitive conduct of small and large banks …, we show that banks tend to hold higher capital ratios when operating in a more competitive environment. This result holds …

were not the major factor in the decline in trade. Surveys of commercial banks by the IMF and others found that while bank …