Many studies have attempted to investigate the determinants and implications of competition
in the banking industry. The literature on the measurement of competition can be divided …

Open banking facilitates data sharing consented to by customers who generate the data,
with the regulatory goal of promoting competition between traditional banks and challenger …

Bank market power, in both loan and deposit markets, has important implications for credit
provision and for financial stability. This article discusses these issues through the lens of a …

We study the effect of loan portfolio focus versus diversification on the return and the risk of
105 Italian banks over the period 1993–99 using data on bank‐by‐bank exposures to …

We examine how the informational structure of loan markets interacts with banks' strategic
behavior in determining lending standards, lending volume, and the aggregate allocation of …

How far does mobility of multinational banks solve problems of financial development?
Using a panel of 80,000 loans over 7 years, I show that greater cultural and geographical …

The savings/investment process in capitalist economies is organized around bank-like
financial intermediaries (“banks”), making them a central institution of economic growth …

Private information obtained by lenders leads to borrower capture to the extent that such
information cannot be communicated credibly to outsiders. We analyze how this capture …

In this paper we investigate the effect of local banking development on firms' innovative
activities, using a rich data set on innovation for a large number of Italian firms over the …

EXECUTIVE SUMMARY The High-level Expert Group was requested to consider in depth
whether there is a need for structural reforms of the EU banking sector or not and to make …