The global financial crisis has highlighted the importance of early identification of weak banks: when problems are … identified late, solutions are much more costly. Until recently, Europe has seen only a small number of outright bank failures …, which made the estimation of early warning models for bank supervision very difficult. This paper presents a unique database …

declines in lending standards by incumbent banks. Finally, lending standards declined more in areas with higher mortgage …

As in other sectors, competition in finance matters for allocative, productive and dynamic efficiency. Theory suggests …, however, that unfettered competition is not first best given the special features of finance. I review these analytics and … describe how to assess the degree of competition in markets for financial services. Existing research shows that the degree of …

banks can extract market power rents. We show that more bank competition results in lower economy-wide risk, lower bank … capital ratios, more efficient production plans and Pareto-ranked real allocations. Perfect competition supports a second best … allocation and optimal levels of bank risk and capitalization. These results are at variance with those obtained by a large …

-to-assets ratio is ambiguous. Similarly, as competition increases, the probability of bank failure can either increase or decrease. We …We study a banking model in which banks invest in a riskless asset and compete in both deposit and risky loan markets …. The model predicts that as competition increases, both loans and assets increase; however, the effect on the loans …

Intro -- Contents -- I. INTRODUCTION -- II. LITERATURE REVIEW -- A. Competition and Concentration -- B. Concentration … and Stability -- C. Competition and Stability -- D. Regulation, Supervision and Stability -- III. METHODOLOGY -- A …

banks to extract data contracts that are more lucrative than lending on its own. The laissez-faire equilibrium entails a …

smaller bank size. Overall, we find that concentrated market structures and lack of competition in LICs banking systems and … at the bank level, we find that within LICs a substantial part of the variation in interest margins can be explained by … bank-specific factors: margins tend to increase with higher riskiness of credit portfolio, lower bank capitalization, and …

Traditional bank competition policy seeks to balance efficiency with incentives to take risk. The main tools are rules … argue that bank competition policy should be reoriented to deal with the too-big-to-fail (TBTF) problem. It should also … focus on the permissible scope of activities rather than on market structure of banks. And following a crisis, competition …

'Afrique Centrale (CEMAC) and the level of bank competition at the regional level. Using a mix of quantitative and qualitative … excess liquidity in the region. Other data also indicate that bank competition within the CEMAC as a region is limited …