Why are bank profits so persistent? The roles of product market competition, informational opacity, and regional/macroeconomic shocks

Article Abstract:

Changes in banking market competition, informational opacity and sensitivity to shocks over the past 30 years are examined.

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Bank efficiency derived from the profit function

Article Abstract:

Article presents the idea that both input and output inefficiencies are derived from a profit function for US banks. In the study inefficiencies are decomposed into several allocative and technical components using directly estimable shadow prices. Results suggest that inefficiencies are quite large in US banking, giving the appearance that the industry loses about half of its potential variable profits to inefficiency.

Commercial Banks, Management, Economic aspects, Industrial efficiency, Economic efficiency

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The role of capital in financial institutions

Article Abstract:

The importance of capital in financial institutions and issues such as the difference between capital needs that are imposed by the market and those that come with regulation are discussed. Such capital requirements are evaluated in the context of historical trends, the difficulties encountered in their quantitative measurement and adverse results from their use. Furthermore, research directions pertinent to the concept are pointed out.

Banking Institutions, Depository Credit Intermediation, DEPOSITORY INSTITUTIONS, Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Banking Regulation, Banks (Finance), Financial institutions, Banking law, Capital

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