The business world is becoming increasingly competitive and the profitability of those involved in economic life depends increasingly of operational efficiency of specific activities undertaken. To ensure optimal functioning, they have to know, apply and comply with the conditions and...

Empirical research about structure, conduct and performance in banking markets has developed mostly independently from the microeconomic theory of banking. The present paper reviews the literature by focusing on the links between theoretical and empirical research. It considers basic conditions,...

This article investigates the factors that have induced and shaped the process of industry evolution of banking in the United Kingdom and, in particular, the reorganization of the retail payments system. It will look at how the effects of technical progress within a changing regulatory framework...

In der Öffentlichkeit wurden Befürchtungen geäußert, dass Basel II den Mittelstand benachteilige, indem die Kreditverfügbarkeit für die Unternehmen eingeschränkt und ihre Zinskosten steigen würden. Für Dr. Werner Müller, Bundeswirtschaftsminister, ist diese Frage »derzeit noch nicht...

La movilidad de usuarios y la importancia relativa de las estrategias de ventas cruzadas en el sector bancario minorista europeo han sido aspectos centrales de diferentes estudios y han estado sometidos a un escrutinio frecuente por parte de las autoridades de la competencia europeas. En este...

This article illustrates how the industrial organization of a banking system affects economic growth in a partially dollarized economy. I study a model where banking competition has some potentially good and some potentially bad effects for growth. I analyze how important they are quatitatively...

The aim of this paper is to assess the level of competition prevailing in the Spanish banking system. The current analysis employs a widely used non-structural methodology put forward by Panzar and Rosse (1987) —the so-called H-statistic— and draws upon a comprehensive panel dataset of...

This paper analyses the impact of loan market competition on the interest rates applied by euro area banks to loans and deposits during the 1994-2004 period, using a novel measure of competition called the Boone indicator. We find evidence that stronger competition implies significantly lower...

This paper evaluates the impact on the performance (profitability) of the bannking system in Jordan of aspects of market structure. It considers the Struture-conduct performance and the efficient market hypotheses. The econometric findings contrast with the prevalent view in the literature that...

The aim of this paper was to analyse the relationship be-tween market concentration and market interest rate. Taking intothought the relationship between the level of concentration within amarket and the level of competition, it can be deduced that an incre-ment in concentration results in a...