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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.
In: Journal of Finance and Economics. Vol. 6 (2018) Issue 5 . - pp. 162-172.
ISSN 2328-7276
DOI: https://doi.org/10.12691/jfe-6-5-1

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: Article in a journal
Refereed: Yes
Keywords: competition; US banking; efficiency; regional markets
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
300 Social sciences > 330 Economics
Date Deposited: 27 Sep 2018 12:01
Last Modified: 27 Sep 2018 12:01
URI: https://eref.uni-bayreuth.de/id/eprint/45885