Do Large, Diversified Banking Organizations Have Competitive Advantages?

Do Large, Diversified Banking Organizations Have Competitive Advantages? The issue of whether large, geographically diversifiedbanking organizations (LDBs) have net competitiveadvantages, over smaller banks, that benefit retailcustomers in individual local markets has importantimplications for antitrust policy and the viability ofsmaller banks. If LDBs possess net advantages, thenlarge banks may be considered an extra-competitiveforce in the antitrust analysis of proposed bankmergers and the future viability of small banks mightbe doubtful. The results of this paper, however, donot support the view that LDBs have net competitiveadvantages. LDBs generally had difficultymaintaining, much less increasing, their depositshares from 1990 to 1996 in markets in which they madeno acquisitions. The analysis also indicates thatmarket share changes experienced by LDBs vary with anumber of LDB and market characteristics. http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png Review of Industrial Organization Springer Journals

Do Large, Diversified Banking Organizations Have Competitive Advantages?

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Publisher
Kluwer Academic Publishers
Copyright
Copyright © 2000 by Kluwer Academic Publishers
Subject
Economics; Industrial Organization; Microeconomics
ISSN
0889-938X
eISSN
1573-7160
D.O.I.
10.1023/A:1007805424725
Publisher site
See Article on Publisher Site

Abstract

The issue of whether large, geographically diversifiedbanking organizations (LDBs) have net competitiveadvantages, over smaller banks, that benefit retailcustomers in individual local markets has importantimplications for antitrust policy and the viability ofsmaller banks. If LDBs possess net advantages, thenlarge banks may be considered an extra-competitiveforce in the antitrust analysis of proposed bankmergers and the future viability of small banks mightbe doubtful. The results of this paper, however, donot support the view that LDBs have net competitiveadvantages. LDBs generally had difficultymaintaining, much less increasing, their depositshares from 1990 to 1996 in markets in which they madeno acquisitions. The analysis also indicates thatmarket share changes experienced by LDBs vary with anumber of LDB and market characteristics.

Journal

Review of Industrial OrganizationSpringer Journals

Published: Oct 16, 2004

References

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