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A Structural Empirical Analysis of Retail Banking Competition

2008
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Release : 2008
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Book Synopsis A Structural Empirical Analysis of Retail Banking Competition by : Jozsef Molnar

Download or read book A Structural Empirical Analysis of Retail Banking Competition written by Jozsef Molnar. This book was released on 2008. Available in PDF, EPUB and Kindle. Book excerpt: In this paper we analyze the degree of competition in the Hungarian household credit and deposit markets. We estimate discrete-choice, multinomial logit deposit service and loan demand functions for each bank and calculate the corresponding price elasticities. Two models of the banking industry are considered: a static, differentiated product Nash-Bertrand oligopoly (as non-collusive benchmark) and a cartel. With estimated marginal costs and observed interest rates we calculate the price-cost margins and compare these to the theoretically implied ones. We find that in our sample period the competition in the Hungarian banking sector is low, i.e. price-cost margins are high.

Competition, Product Differentiation and Quality Provision

2004
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Release : 2004
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Book Synopsis Competition, Product Differentiation and Quality Provision by : Andrew Cohen

Download or read book Competition, Product Differentiation and Quality Provision written by Andrew Cohen. This book was released on 2004. Available in PDF, EPUB and Kindle. Book excerpt: "We analyze the effects of market structure on the branching decisions of three types of depository institution: multimarket banks, single-market banks, and thrift institutions. We argue that additional branches increase quality for an institution's consumers, and examine the interaction between market structure and this particular measure of quality. We account for endogenous market structure using an equilibrium structural model, which corrects for bias caused by correlation in the unobservables that may drive entry and branching activity. We estimate the model using data from over 1,750 concentrated rural markets. Our results demonstrate the importance of product differentiation, as competition from multimarket banks is associated with denser branch networks for all types of firm while the opposite correlation holds when competitors are single-market banks or thrifts"--Abstract.

The Economics of Retail Banking - an Empirical Analysis of the UK Market for Personal Current Accounts

2005
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Release : 2005
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Book Synopsis The Economics of Retail Banking - an Empirical Analysis of the UK Market for Personal Current Accounts by : Céline Gondat-Larralde

Download or read book The Economics of Retail Banking - an Empirical Analysis of the UK Market for Personal Current Accounts written by Céline Gondat-Larralde. This book was released on 2005. Available in PDF, EPUB and Kindle. Book excerpt: Understanding the economics of retail banking is important for the Bank of England in carrying out both its monetary stability and its financial stability function. In this article, we study the dynamics of the UK market for personal current accounts between 1996 and 2001. Analysing the evolution of banks' market shares and their pricing strategies, two questions are addressed: (i) Do bank market shares respond to price differentials? (ii) If not, why not? Our results point to customer switching costs as a key determinant of the nature of competition in the market for personal current accounts during the 1996-2001 period. They are thus broadly supportive of a number of initiatives that have since been undertaken to reduce such costs.

The Oxford Handbook of Banking

2015 Business & Economics
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Release : 2015
Genre : Business & Economics
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Book Rating : 508/5 ( reviews)

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Book Synopsis The Oxford Handbook of Banking by : Allen N. Berger

Download or read book The Oxford Handbook of Banking written by Allen N. Berger. This book was released on 2015. Available in PDF, EPUB and Kindle. Book excerpt: The Oxford Handbook of Banking, Second Edition provides an overview and analysis of developments and research in banking written by leading researchers in the field. This handbook will appeal to graduate students of economics, banking and finance, academics, practitioners, regulators, and policy makers. Consequently, the book strikes a balance between abstract theory, empirical analysis, and practitioner, and policy-related material. The Handbook is split into five parts. Part I, The Theory of Banking, examines the role of banks in the wider financial system, why banks exist, how they function, and their corporate governance and risk management practices. Part II deals with Bank Operations and Performance. A range of issues are covered including bank performance, financial innovation, and technological change. Aspects relating to small business, consumer, and mortgage lending are analysed together with securitization, shadow banking, and payment systems. Part III entitled Regulatory and Policy Perspectives discusses central banking, monetary policy transmission, market discipline, and prudential regulation and supervision. Part IV of the book covers various Macroeconomic Perspectives in Banking. This part includes a discussion of systemic risk and banking and sovereign crises, the role of the state in finance and development as well as how banks influence real economic activity. The final Part V examines International Differences in Banking Structures and Environments. This part of the Handbook examines banking systems in the United States, European Union, Japan, Africa, Transition countries, and the developing nations of Asia and Latin America.

Microeconometrics of Banking

2009 Business & Economics
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Release : 2009
Genre : Business & Economics
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Book Rating : 477/5 ( reviews)

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Book Synopsis Microeconometrics of Banking by : Hans Degryse

Download or read book Microeconometrics of Banking written by Hans Degryse. This book was released on 2009. Available in PDF, EPUB and Kindle. Book excerpt: This title provides a compendium to recent work in empirical banking. It follows the structure in 'The Microeconomics of Banking' by Xavier Freixas and Jean Charles Rochet in arranging the relevant methodologies, applications and results to achieve a coherent synthesis between available theory and supporting empirics.

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