Geographic Deregulation and Commercial Bank Performance in US State Banking Markets
AbstractThis paper examines the effects of geographical deregulation on commercial bank performance across states. We reach some general conclusions. First, the process of deregulation on an intrastate and interstate basis generally improves bank profitability and performance. Second, the macroeconomic variables -- the unemployment rate and real personal income per capita -- and the average interest rate affect bank performance as much, or more, than the process of deregulation. Finally, while deregulation toward full interstate banking and branching may produce more efficient banks and a healthier banking system, we find mixed results on this issue.
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Bibliographic InfoPaper provided by University of Connecticut, Department of Economics in its series Working papers with number 2008-25.
Length: 30 pages
Date of creation: Aug 2008
Date of revision:
Publication status: Published in Quarterly Review of Economics and Finance, February 2011
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Postal: University of Connecticut 341 Mansfield Road, Unit 1063 Storrs, CT 06269-1063
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Web page: http://www.econ.uconn.edu/
More information through EDIRC
commercial banks; geographic deregulation; bank performance;
Other versions of this item:
- Zou, YongDong & Miller, Stephen M. & Malamud, Bernard, 2011. "Geographic deregulation and commercial bank performance in U.S. state banking markets," The Quarterly Review of Economics and Finance, Elsevier, vol. 51(1), pages 28-35, February.
- YongDong Zou & Stephen M. Miller & Bernard Malamud, 2008. "Geographic Deregulation and Commerical Bank Performance in US State Banking Markets," Working Papers 0802, University of Nevada, Las Vegas , Department of Economics.
- E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit
- G2 - Financial Economics - - Financial Institutions and Services
This paper has been announced in the following NEP Reports:
- NEP-ALL-2008-08-31 (All new papers)
- NEP-BAN-2008-08-31 (Banking)
- NEP-EFF-2008-08-31 (Efficiency & Productivity)
- NEP-FMK-2008-08-31 (Financial Markets)
- NEP-MAC-2008-08-31 (Macroeconomics)
- NEP-REG-2008-08-31 (Regulation)
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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