This paper analyses the effects of concentration on profitability in the US banking sector from 1994-2005, using bank …-interest revenue, and reduce both interest and non-interest costs. Furthermore, concentration appears to depress bank deposit interest … rates and raise both lending rates and the interest rate spread. This suggests that bank concentration might have negative …

variable. As for explanatory variables, we put together a set of proxies for quality of bank governance and management, such as ….g. degree of Board independence, qualification of external auditors), stability of bank’s governing bodies (Management Board and … bank, stability of the governing bodies, involvement of well-established external auditors and also that strategic …

statistical problems associated with the dynamic nature of bank-level data. The results suggest that both static methods provide …

competitiveness of the bank market, (2) to define conditions of entrance of new banks to the market, and (3) to establish a criterion …