Geographic Deregulation and Commerical Bank Performance in US State Banking Markets

YongDong Zou, Stephen Miller and Bernard Malamud
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YongDong Zou: Sany Group, Changsha, Hunan, CHINA
Bernard Malamud: Department of Economics, University of Nevada, Las Vegas

No 802, Working Papers from University of Nevada, Las Vegas , Department of Economics

Abstract: This 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.

Keywords: commercial banks; geographic deregulation; bank performance (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Pages: 29 pages
Date: 2008-11
New Economics Papers: this item is included in nep-ban, nep-mac and nep-reg
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Related works:
Journal Article: Geographic deregulation and commercial bank performance in U.S. state banking markets (2011)
Working Paper: Geographic Deregulation and Commercial Bank Performance in US State Banking Markets (2008)
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Persistent link: https://EconPapers.repec.org/RePEc:nlv:wpaper:0802

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