Over the past few decades, the worldwide banking industry has undergone strong consolidation. As a result, the number …

banking sector. The fact that environmental factors that are not appropriately controlled may easily bias efficiency estimates … inefficiencies on a set of a bank.s strategic choices, local banking market variables, and local (regional) macro variables. For the …

for a meta-frontier. Using a data set of more than 5000 large commercial banks from all major European banking markets … banking market. Empirical evidence supports the view that traditional efficiency techniques based on pooled frontier …

- insurance market in the Netherlands over the period 1995-2012. We focus on the 2006 health care reform, where public health care … after the health care reform in 2006, unused scale economies are, at 21%, much higher than before the reform (4%), pointing … fall in the average level of competitive pressure. After the reform, competition continued to improve. In the non …

current major trends in European banking and relate them to each model's assumptions, thereby shedding light on the relevance …