Comment on Saunders and Wilson

Article Abstract:

The effects of bank consolidation and government policies on the behavior of and performance of the banking industry have been analyzed by Anthony Saunders and Berry Wilson using century-long time series data with international comparisons. A key finding in their research is the dramatic reductions in the capital ratios of banks in the US, UK, Canada. However, more work is possible in supporting their explanations, especially in the area of decline and the relationship between timing of the consolidation movement and safety-net expansion.

Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Banking Regulation, Economic aspects, Mergers, acquisitions and divestments, Deregulation, Industry regulations, Banking law, Government regulation of business, Trade regulation

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The evolution of an industry: US thrifts in the 1990s

Article Abstract:

The US banking industry has recovered from financial problems during the 1970s and 1980s as evidenced by higher industry returns on average assets, improved risk-based capital ratios, and a decline of firms in financial ruin. Results reveal that several factors contributed to the industry's improved performance in the 1990s including reduced scale diseconomies, technological innovations, and consolidation.

Research, Innovations, Savings, Technological innovations

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