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Industry mix and lending environment variability: what does the average bank face

  • Jeffery W. Gunther
  • Kenneth J. Robinson

Diversification opportunities for banks may be greater today because of the lessening of geographic restrictions. In addition, regional economies have undergone vast transformations, with relatively volatile industries often assuming a diminished role. To assess whether these changes have resulted in a more stable lending environment, Jeff Gunther and Ken Robinson form industry portfolios for banks based on their presence in different states and the mix of economic activity found in those states. The authors find that the risk underlying banks' lending environments declined from 1985 to 1996 because of both a geographic restructuring of the banking system and increasing industrial diversification of state economies.

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File URL: http://www.dallasfed.org/assets/documents/research/efr/1999/efr9902c.pdf
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Article provided by Federal Reserve Bank of Dallas in its journal Economic and Financial Policy Review.

Volume (Year): (1999)
Issue (Month): Q II ()
Pages: 24-31

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Handle: RePEc:fip:fedder:y:1999:i:qii:p:24-31
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  1. John H. Boyd & Stanley L. Graham, 1988. "The profitability and risk effects of allowing bank holding companies to merge with other financial firms: a simulation study," Proceedings 213, Federal Reserve Bank of Chicago.
  2. Rosen, Richard J. & Lloyd-Davies, Peter R. & Kwast, Myron L. & Humphrey, David B., 1989. "New banking powers : A portfolio analysis of bank investment in real estate," Journal of Banking & Finance, Elsevier, vol. 13(3), pages 355-366, July.
  3. Peter S. Rose, 1995. "Diversification and interstate banking," Proceedings 461, Federal Reserve Bank of Chicago.
  4. Benston, George J & Hunter, William C & Wall, Larry D, 1995. "Motivations for Bank Mergers and Acquisitions: Enhancing the Deposit Insurance Put Option versus Earnings Diversification," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 27(3), pages 777-88, August.
  5. Michelle Clark Neely & David C. Wheelock, 1997. "Why does bank performance vary across states?," Review, Federal Reserve Bank of St. Louis, issue Mar, pages 27-40.
  6. Larry D. Wall & Alan K. Reichert & Sunil Mohanty, 1993. "Deregulation and the opportunities for commercial bank diversification," Economic Review, Federal Reserve Bank of Atlanta, issue Sep, pages 1-25.
  7. Jith Jayaratne & Philip E. Strahan, 1997. "The benefits of branching deregulation," Economic Policy Review, Federal Reserve Bank of New York, issue Dec, pages 13-29.
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