The wealth effects of interstate branching

Article Abstract:

The decision of the Office of Thrift Supervision (OTS) to allow federally chartered savings and loan associations (SLAs) to engage in interstate branching has brought substantial positive wealth effects on large savings and loans associations and commercial banks. Smaller financial institutions have experienced minimal or no effects as a result of the decision. Though it appears that large financial institutions are the primary beneficiaries of interstate branching smaller organizations are expected to retain their competitiveness due to the demand for personalized financial services at the grassroots level.

Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Savings & Loan Assns, Savings Institutions, Bank Branching & Chartering, Laws, regulations and rules, Savings and loan associations, Branch banks, Charters (Law), Interstate banking, United States. Office of Thrift Supervision

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Consolidation and universal banking

Article Abstract:

The consolidation of the banking industry has given a whole new meaning to universal banking as banks enter new markets such as securities through their Section 20 securities subsidiaries. While evidence shows that the entry of banking institutions in securities processing via the Section 20 route has been relatively pro-competitive, this may not be the case for banks that conduct securities activities via acquisitions. As a matter of fact, entry by acquisition could deplete the number of competitors in the market for investment banking services.

Investment Banking and Securities Dealing, Investment Banking, Security brokers and dealers, Acquisitions & Mergers Analysis, Securities and Commodity Contracts Intermediation and Brokerage, Securities & Investment Svcs, Analysis, Investment banks, Acquisitions and mergers, Bank mergers, Securities industry, Financial analysis, Universal banks, Investment services

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Corporate control, bank risk taking, and the health of the banking industry

Article Abstract:

Research into the relationship between the stockholdings of bank managers and risk-taking by the bank is presented, with focus on the effect of the introduction of banking controls in the early 1990s.

Research, Executives, Observations, Bank management

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