Bank Risk and Competition: Evidence from Regional Banking Markets

Thomas K. Kick · Esteban Prieto

95 citations0/0 files storedEuropean Finance Review

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Banking stability, regulation, efficiency Monetary Policy and Economic Impact Banking Systems and Strategies

Abstract

Abstract We investigate the bank competition-stability nexus based on a unique regulatory dataset. First, we use outright bank defaults, and control for a wide array of different time-varying bank characteristics which are likely to influence the nexus. Second, we simultaneously include measures of competition and market power corresponding to the bank, county, and federal state level. Third, we investigate the role of bank competition in the transmission of monetary policy to bank risk. From a policy perspective, our findings indicate that competition-reducing regulation does not necessarily enhance either the stability of individual banks or their resilience to monetary policy shocks.

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References

1995Initial conditions and moment restrictions in dynamic panel data models 1995The Effect of Credit Market Competition on Lending Relationships 1997Inside the black box: What explains differences in the efficiencies of financial institutions?2005The Theory of Bank Risk Taking and Competition Revisited 2000Liberalization, Moral Hazard in Banking, and Prudential Regulation: Are Capital Requirements Enough?1997Problem loans and cost efficiency in commercial banks 1988Deposit Insurance, Risk, and Market Power in Banking 2005Bank concentration, competition, and crises: First results

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