of whether competition, regulation and stability matter for efficiency in the banking system. Data from 440 commercial … quality regulations and competition. However, the results reveal all the variables responding to one standard deviation shock …

Does an increase in competition increase or decrease bank stability? I exploit how the state-specific process of … loans and increases bank profitability. These findings suggest that competition increases stability as it improves bank … significantly increases bank stability. This result is robust to the inclusion of additional fixed effects and other influences …