This study provides rigorous empirical evidence that an increase in market power of dominant banks within deposit markets does not necessarily translate into attenuation of non-dominant banks' capacity for funding of loan commitments. This is evident in the finding that while non-dominant banks...

In this study, we find savings deposits have contributed significantly to the effectiveness of regulation induced consolidation within the banking sector in so far as improvements in banking system structure, output, profitability, and competitiveness are concerned. Specifically, we find savings...

Essence of the lemons problem of Akerlof (1970) is not easy to communicate to practitioners, particularly practitioners in realm of commercial banking. Commercial bankers, particularly those located in developing or emerging countries typically find it difficult to understand how in face of...

In this study, we find savings deposits have contributed significantly to the effectiveness of regulation induced consolidation within the banking sector in so far as improvements in banking system structure, output, profitability, and competitiveness are concerned. Specifically, we find savings...