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The Effects of Financial Market Deregulation on Bank Risk and Profitability

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Author Info
Harper, Ian R
Scheit, T
Abstract

Financial market deregulation was expected to increase the riskiness of banks and to reduce their risk-adjusted profitability. In particular, it was expected that returns to bank equity would fall as bank charter values eroded in the face of competition from newly-established banks. This paper employs standard techniques to examine the behavior of bank risk and profitability prior to and since the deregulation of financial markets in Australia. The results indicate that the systematic risk of banks has not been affected by deregulation. Moreover, the data do not support the view that Australian banks were earning excess returns relative to those predicted by the Capital Asset Pricing Model prior to deregulation or that they are now. Copyright 1992 by Blackwell Publishers Ltd/University of Adelaide and Flinders University of South Australia

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Publisher Info
Article provided by Blackwell Publishing in its journal Australian Economic Papers.

Volume (Year): 31 (1992)
Issue (Month): 59 (December)
Pages: 260-71
Download reference. The following formats are available: HTML (with abstract), plain text (with abstract), BibTeX, RIS (EndNote, RefMan, ProCite), ReDIF
Handle: RePEc:bla:ausecp:v:31:y:1992:i:59:p:260-71

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Web page: http://www.blackwellpublishing.com/journal.asp?ref=0004-900X

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  1. Susan Ryan & Andrew C. Worthington, 2002. "Time-Varying Market, Interest Rate and Exchange Rate Risk in Australian Bank Portfolio Stock Returns: A Garch-M Approach," School of Economics and Finance Discussion Papers and Working Papers Series 112, School of Economics and Finance, Queensland University of Technology. [Downloadable!]
  2. Neil Esho & Paul Kofman & Ian Sharpe, 2005. "Diversification, Fee Income, and Credit Union Risk," Journal of Financial Services Research, Springer, vol. 27(3), pages 259-281, September. [Downloadable!] (restricted)
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