This paper empirically explores the impact of bank size, holding company affiliation and the degree of branching on small business and farm lending through a conceptual analysis encompassing private information asymmetries inherent in these bank dependent borrowers. The study expands the...

An evolutionary model of the bank size distribution is presented based on the exchange and creation of deposit money. In agreement with empirical results the derived size distribution is lognormal with a power law tail. The theory is based on the idea that the size distribution is the result of...

Debit cards are employed for cash withdrawals at automated teller machines (ATMs) and for purchasing transactions at point-of-sale (POS). In this paper, we explore, for the first time to our knowledge, the determinants of debit card transaction volumes at ATM and POS, the relationship between...

Inhaltliches Fundament zahlreicher Stabilitäts-, Produktivitäts- und Rentabilitätsanalysen zur Bankenwirtschaft ist die präzise Einschätzung der Wettbewerbsverhältnißse. Aus theoretischer Sicht steht hierzu eine ganze Reihe an alternativen Konzepten zur Verfügung. Gleichwohl gestaltet...

Banks in Disadvantaged Areas Based on the presumption that the empirical banking literature devotes too little attention to institutions with special features, this paper examines banks that are affected by low regional development. Data on the full population of Austrian banks is applied to...

Gewinnstrukturbeziehungen und Fusionen im europäischen Bankensektor: Eine empirische Untersuchung Die empirische Forschung liefert den Beweis für eine Beziehung zwischen Marktstrukturen und Rentabilität im europäischen Bankensektor. In diesem Beitrag werden diverse Marktmacht- und...

Globaler Wettbewerb, Provisionseinkommen und Zinsmargen der Banken In einer Panel-Untersuchung auf der Grundlage von OECD-Daten weisen wir einen Einfluss des globalen Wettbewerbs auf die Zinsmargen und die Profitabilität der Banken nach. Bisherige Wettbewerbsstudien beschränken sich...

The constitutional conception of market integration within the European Union entails creating a level playing field for competition in the consolidated banking sector. The financial crisis of 2008 brought with it the need to proceed with care as it rolled back the gains of improving competitive...

Systemic Banking crises are a recurrent phenomenon that affects society, and there is a need for a better understanding of the risk factors to support prudential regulation and reduce unnecessary risk intake in the financial system. This paper examines the main bank risk determinants in Latin...

This paper examines the causal effect of mergers and acquisitions (M&A) on bank productivity (Q) in 23 European Union countries and the short- and long-term relationship among fixed assets (k1), liquid assets (k2), and labour (L) over the period 1990-2013 for a sample of 156 commercial banks, of...