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Organizational Structure and Performance at Bank Holding Companies

Author

Listed:
  • Klein, P.G.
  • Saidenberg, M.R.

Abstract

This paper provides empirical evidence on the relationship between organizational structure and performance at bank holding companies (BHCs). First, we study a panel of U.S. commercial banks to see how holding-company affiliation affects lending, capital, and income. We find that membership in a multi-bank BHC allows banks to do more lending, and hold less capital, than unaffiliated banks, suggesting that these organizations benefit from access to internal capital markets that reallocate resources within the firm. Second, we use a panel of publicly traded BHCs to examine how the number of commercial bank charters affects lending, capital, income, and market measures of efficiency.

Suggested Citation

  • Klein, P.G. & Saidenberg, M.R., 1999. "Organizational Structure and Performance at Bank Holding Companies," Papers 99-474, Georgia - College of Business Administration, Department of Economics.
    • Handle: RePEc:fth:georec:99-474
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    More about this item

    Keywords

    BANKS ; ENTERPRISES;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L22 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Organization and Market Structure

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