There are two different schools of thought on the relationship between pricing and measures of market structure such as concentration and market share in the banking industry. The structure-conduct-performance (market power) school suggests that concentration is empirically evident via the...

In general, the 1990s was a decade of considerable and broad economic growth. It was also characterised by extensive corporate (financial) sector failure in South‐East Asia. Since 2001 a number of major (non‐financial) corporations have failed in the USA and Europe. The majority of these...

Explicit deposit insurance is a safety net that bank regulatory authorities use to attempt to prevent and mitigate the costs of bank failures. International experience has shown however that explicit deposit insurance can increase the risk‐taking behaviour of banks. In this paper the authors...

This paper assesses and compares the impact of internationalisation on the economic performance of firms in the banking sector in Namibia and Tanzania. With the aid of financial ratios and econometric analysis, measures of efficiency are used as proxies for overall economic performance and...

There has been considerable development in the technology used to provide bank services. This has led to an increase in the number of channels which can be used to deliver bank services to retail clients. Accordingly, there is a need to assess the costs of using different technologies to provide...

There has been considerable development in the technology used to provide bank services. This has led to an increase in the number of channels which can be used to deliver bank services to retail clients. Accordingly, there is a need to assess the costs of using different technologies to provide...

This paper utilizes microeconomic theory and a panel data set to assess the impact of product mix and transactions on cost behaviour of bank branches in South Africa over the short and long-term. Estimates of properties of concavity and monotonocity indicate that the cost functions of typical...

In many developed, and some developing countries, technological innovation has enabled banks to provide intermediary services and supply products via a variety of methods. This article uses econometric techniques to assess the impact of the product suite, credit score and the spatial...