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Balancing prudential regulation and competition considerations in banking

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  • OECD

Abstract

This paper examines the possible tensions, trade-offs, and complementarities between prudential regulation and competition in banking. Well-calibrated prudential rules, along with effective competition policy and enforcement, can jointly foster financial resilience, efficiency, and innovation. Focusing on retail deposits and lending, the paper examines how competition and prudential regulations may strike a balance between stability and open and dynamic markets. It highlights considerations in aligning prudential and competition objectives through proportionate, risk-based regulation. It also stresses the need for sustained co-operation between prudential and competition authorities to ensure these core banking markets deliver lasting benefits for consumers and the economy.

Suggested Citation

  • Oecd, 2025. "Balancing prudential regulation and competition considerations in banking," OECD Roundtables on Competition Policy Papers 329, OECD Publishing.
    • Handle: RePEc:oec:dafaac:329-en
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    JEL classification:

    • K21 - Law and Economics - - Regulation and Business Law - - - Antitrust Law
    • L40 - Industrial Organization - - Antitrust Issues and Policies - - - General
    • L41 - Industrial Organization - - Antitrust Issues and Policies - - - Monopolization; Horizontal Anticompetitive Practices
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • F3 - International Economics - - International Finance
    • G1 - Financial Economics - - General Financial Markets
    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • G2 - Financial Economics - - Financial Institutions and Services
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • G3 - Financial Economics - - Corporate Finance and Governance
    • L4 - Industrial Organization - - Antitrust Issues and Policies
    • L42 - Industrial Organization - - Antitrust Issues and Policies - - - Vertical Restraints; Resale Price Maintenance; Quantity Discounts
    • L43 - Industrial Organization - - Antitrust Issues and Policies - - - Legal Monopolies and Regulation or Deregulation
    • F38 - International Economics - - International Finance - - - International Financial Policy: Financial Transactions Tax; Capital Controls

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