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Economies of Scope in the EU Banking Industry

In: Corporate Governance in Banking and Investor Protection

Author

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  • Ludovico Rossi

    (University of Reading)

  • Elena Beccalli

    (Università Cattolica del Sacro Cuore)

Abstract

This paper documents the presence on average of cost economies of scope in the European banking industry, that is, banks minimize total costs, given a certain level of outputs, producing a differentiated mix of outputs. Our results are particularly important in the light of the 2014 structural reform proposal on the EU banking industry which aims to separate the traditional commercial banking from investment activity. The loss of efficiency for banks might have consequences for customers who could suffer an increase in the costs of financial services to try to compensate banks for their loss of efficiency. Bank regulations would be myopic if they focus on investor protections whilst neglecting bank efficiency.

Suggested Citation

  • Ludovico Rossi & Elena Beccalli, 2018. "Economies of Scope in the EU Banking Industry," CSR, Sustainability, Ethics & Governance, in: Belén Díaz Díaz & Samuel O. Idowu & Philip Molyneux (ed.), Corporate Governance in Banking and Investor Protection, chapter 0, pages 123-147, Springer.
    • Handle: RePEc:spr:csrchp:978-3-319-70007-6_7
    DOI: 10.1007/978-3-319-70007-6_7
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    Cited by:

    1. Dia, Enzo & VanHoose, David, 2019. "Real resource utilization in banking, economies of scope, and the relationship between retail loans and deposits," Economics Letters, Elsevier, vol. 177(C), pages 39-42.
    2. Dalla, Eleni & Varelas, Erotokritos, 2019. "Regulation & oligopoly in banking: The role of banking cost structure," Journal of Economics and Business, Elsevier, vol. 104(C), pages 1-1.

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