Common Ownership in the Dutch Banking Market

Falk Hendrik Laser

Publications of Darmstadt Technical University, Institute for Business Studies (BWL) from Darmstadt Technical University, Department of Business Administration, Economics and Law, Institute for Business Studies (BWL)

Abstract: Common ownership has increased across countries and industries in recent years. I focus on the potential anti-competitive effects of rising common ownership on consumer prices conducting a case study for the Dutch banking market. My analysis draws on retail pricing data for savings accounts in 2014 and ownership data on the investor level. Using a structural approach, I project the impact of increasing common ownership on interest rates for savings accounts. Depending on the different levels of common ownership assumed, I simulate decreases in interest rates of up to 50 basis points for large banks and predict substantial average losses of interest for consumers ranging between 12 and 33 euros per year.

Date: 2021-05-27
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Persistent link: https://EconPapers.repec.org/RePEc:dar:wpaper:126874

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