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Viability of traditional banking activities: evidence from shifts in conduct and excess capacity

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  • Sherrill Shaffer

Abstract

This paper applies modem statistical techniques to estimate levels and shifts of market conduct and aggregate excess capacity in the provision of traditional US banking products such as loans and demand deposits. A variety of models indicate that loans are competitively supplied, with no obvious excess capacity as defined. Some models indicate an anticompetitive shift in demand deposits after 1984, but other evidence suggests that this result may be an artifact attributable to the growth of NOW accounts, MMDAs, and the like. All results suggest that the current levels of these services can be profitably sustained under current market conditions.

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Bibliographic Info

Paper provided by Federal Reserve Bank of Philadelphia in its series Working Papers with number 94-11.

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Date of creation: 1994
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Handle: RePEc:fip:fedpwp:94-11

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Related research

Keywords: Bank competition ; Banking market;

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Cited by:
  1. Ion Lapteacru & Emmanuelle Nys, 2011. "L'impact de la concurrence bancaire sur l'efficience des banques : le cas des Pays d'Europe Centrale et Orientale," Post-Print hal-00785466, HAL.
  2. Sherrill Shaffer, 1996. "Capital requirements and rational discount window borrowing," Working Papers 96-4, Federal Reserve Bank of Philadelphia.
  3. Paolo Angelini & Nicola Cetorelli, 2000. "Bank Competition and Regulatory Reform: The Case of the Italian Banking Industry," Temi di discussione (Economic working papers), Bank of Italy, Economic Research and International Relations Area 380, Bank of Italy, Economic Research and International Relations Area.
  4. Shaffer, Sherrill, 2001. "Banking conduct before the European single banking license: a cross-country comparison," The North American Journal of Economics and Finance, Elsevier, vol. 12(1), pages 79-104, March.

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