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Regional Competition in US Banking : Trends and Determinants

Title data

Erler, Alexander ; Gischer, Horst ; Herz, Bernhard:
Regional Competition in US Banking : Trends and Determinants.
Otto-von-Guericke-Universität Magdeburg
Magdeburg , 2017 . - (Working Paper Series / Otto von Guericke University Magdeburg, FEMM ; 8 )

Official URL: Volltext

Abstract in another language

Competition in the US banking industry as measured by the Lerner Index has on average increased substantially during the last decade. At the same time, regional differences in competition on the state level have decreased considerably. Based on a dynamic panel framework we find that these developments are mainly driven by industry specific factors such as the costs to income ratio. The empirical evidence indicates that inefficiency and the Lerner index are significant negatively correlated. Macroeconomic conditions appear to have supported these trends in competition, however, to a somewhat lesser extent.

Further data

Item Type: Working paper, Diskussionspapier
Refereed: No
Keywords: competition; US banking; efficiency; regional markets
Subject classification: JEL-classification: D40, G21, L19
Institutions of the University: Faculties
Faculties > Faculty of Law, Business and Economics
Faculties > Faculty of Law, Business and Economics > Department of Economics
Faculties > Faculty of Law, Business and Economics > Department of Economics > Chair Economics I
Faculties > Faculty of Law, Business and Economics > Department of Economics > Chair Economics I > Chair Economics I - Univ.-Prof. Dr. Bernhard Herz
Result of work at the UBT: Yes
DDC Subjects: 300 Social sciences > 330 Economics
Date Deposited: 30 Nov 2017 14:06
Last Modified: 04 Apr 2019 05:40
URI: https://eref.uni-bayreuth.de/id/eprint/40641