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

Jeffery W. Gunther and Kenneth Robinson

Economic and Financial Policy Review, 1999, issue Q II, 24-31

Abstract: 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.

Keywords: Banks and banking; Financial institutions (search for similar items in EconPapers)
Date: 1999
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