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The Impact of Organizational Structure and Lending Technology on Banking Competition

Hans Degryse (), Luc Laeven () and Steven Ongena ()

Review of Finance, 2009, vol. 13, issue 2, 225-259

Abstract: We investigate how bank organization shapes banking competition. We show that a bank's geographical lending reach and loan pricing strategy is determined by its own and its rivals' organizational structure. We estimate the impact of organization on the geographical reach and loan pricing of a large bank. We find that the reach of the bank is smaller when rival banks are large and hierarchically organized, have superior communication technology, have a narrower span of organization, and are closer to a decision unit with lending authority. Rival banks' size and the number of layers to a decision unit soften spatial pricing. Copyright 2009, Oxford University Press.

Date: 2009
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Related works:
Working Paper: The Impact of Organizational Structure and Lending Technology on Banking Competition (2007) Downloads
Working Paper: The Impact of Organizational Structure and Lending Technology on Banking Competition (2007) Downloads
Working Paper: The Impact of Organizational Structure and Lending Technology on Banking Competition (2006) Downloads
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