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Bank orientation and industry specialization

Author

Listed:
  • Hans Degryse
  • Steven Ongena

Abstract

How do banks react to increased interbank competition? Recent banking theory offers conflicting predictions about the impact of competition on bank orientation - i.e., the choice of relationship based versus transactional banking - and bank industry specialization. We empirically investigate the impact of interbank competition on bank branch orientation and specialization. We employ a unique data set containing detailed information on bank-firm relationships and industry classification. We find that bank branches facing stiff local competition engage relatively more in relationship-based lending but specialize somewhat less in a particular industry. Our results illustrate that competition and relationships are not necessarily inimical.

Suggested Citation

  • Hans Degryse & Steven Ongena, 2004. "Bank orientation and industry specialization," Proceedings 943, Federal Reserve Bank of Chicago.
    • Handle: RePEc:fip:fedhpr:943
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