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Bank Holding Companies (BHCs) have been diversifying their businesses increasingly among banking, securities and … diversification is associated with improvement or detriment in its production efficiency. We apply the Data Envelopment Analysis (DEA … diversification and the effect is primarily driven by BHCs that did not experience diversification through Section 20 subsidiaries …
Persistent link: https://www.econbiz.de/10013006304
important motivation was to facilitate geographic risk diversification (GRD). Using a factor model to measure banks' geographic … risk, we show that RN expanded GRD possibilities in small states, but only some large banks took advantage. Using our … measure of geographic risk and an empirical model of branch-network choice, we identify preferences toward GRD separately from …
Persistent link: https://www.econbiz.de/10013007847
diversification (higher profits, lower costs and lower risk). Further exploration shows that such economies are attributable to the …We empirically test whether banks' ownership network affects the relationship between product diversification and … diseconomies of diversification vanish the farther is the bank in the pyramid so that the farthest banks enjoy economies of …
Persistent link: https://www.econbiz.de/10013049924
transformed the structure of the Australian banking industry and are destined to receive scrutiny following the announcement of … negatively on financial performance, we find no evidence to suggest that diversification has been detrimental to the performance … of Australian banks. It appears, rather, that Australia's banks have improved their risk-return revenue streams as an …
Persistent link: https://www.econbiz.de/10013057182
We estimate the benefits of intrastate and interstate geographic diversification for bank risk and return, and assess … across U.S. states. For small banks, only intrastate diversification is beneficial in terms of risk-adjusted returns but for … bank' could still benefit in terms of risk-adjusted returns from further geographic diversification. Higher economic …
Persistent link: https://www.econbiz.de/10013058355
We investigate the impact of earning asset diversification on Chinese bank efficiency from 2006 to 2011. To do so, we … amendment to the existing commercial banking law) and interest rate liberalization (a proposed draft amendment), are likely to …
Persistent link: https://www.econbiz.de/10012984986
-offs and write-downs, we examine the impact of loan portfolio sector concentration on credit risk. By controlling for common … risk factors, we separate the bank-specific selection and monitoring abilities from the composition of the loan portfolio …
Persistent link: https://www.econbiz.de/10012988758
analyzes the determinants of non-interest income and its impact on financial performance and the risk profile of German banks … between 1995 and 2007. We find empirical evidence that for all German universal banks risk-adjusted returns on equity and … strong engagement in fee-generating activities goes along with higher risk. In order to analyze possible cross …
Persistent link: https://www.econbiz.de/10012989256
Should banks be diversified or focused? Does diversification indeed lead to enhanced performance …
Persistent link: https://www.econbiz.de/10012989308
Do banks with a specialized credit portfolio have superior selection and monitoring abilities? Controlling for the composition of the banks' loan portfolios, we show that specialized banks have lower loan loss rates. We also see that for more focused German banks in our sample period 2003–2011...
Persistent link: https://www.econbiz.de/10012992353