Technological Progress and the Geographic Expansion of the Banking Industry

Allen N. Berger · Robert E. DeYoung

198 citations0/0 files storedJournal of money credit and banking

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Banking stability, regulation, efficiency Digital Transformation in Financial Services Banking Systems and Strategies

Abstract

We test some predictions about the effects of technological progress on geographic expansion using data on banks in U.S. multibank holding companies over 1985-1998.Specifically, we test whether over time (a) parental control over affiliate banks has increased, and (b) the agency costs associated with distance from the parent have decreased.The data suggest that banking organizations exercise significant control over affiliates that has been increasing over time, and that the agency costs associated with distance have decreased somewhat over time.The findings are consistent with the hypothesis that technological progress has facilitated the geographic expansion of the banking industry.

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References

2002Information Production and Capital Allocation: Decentralized versus Hierarchical Firms 1997Inside the black box: What explains differences in the efficiencies of financial institutions?1997Problem loans and cost efficiency in commercial banks 2005Does function follow organizational form? Evidence from the lending practices of large and small banks 2005Distance, Lending Relationships, and Competition 1997Diversification, Size, and Risk at Bank Holding Companies 1985Bank branch operating efficiency 1997The impact of liberalization on the productive efficiency of Indian commercial banks

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