Recent empirical findings by Elsas (2005) and Degryse and Ongena (2007) document a U-shaped effect of market concentration on relationship lending which cannot be easily accommodated by the investment and strategic theories of relationship lending. In this paper, we suggest that this...

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...

This paper discusses a wide range of indicators of the degree of integration of the euro area banking system. It is concerned with volume data, a less developed field of research compared with studies on prices/rates. We first set out a methodological framework, a mixture of elementary and more...

We study the effect of government encouraged or mandated interchange fee ceilings on consumer and merchant adoption and usage of payment cards in an economy where card acceptance is far from complete. We believe that we are the first to use bank-level data to study the impact of interchange fee...

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...

Interest rate caps, also called usury ceilings, are a widely used policy tool to protect consumers from excessive charges by loan providers. However, they are often cited as a barrier for the advancement of financial inclusion, as they may reduce the incentives to provide loans to lower-income...