IDEAS home Printed from https://ideas.repec.org/a/fip/fedfer/y1995p21-34n1.html
   My bibliography  Save this article

Changes in the structure of urban banking markets in the West

Author

Listed:
  • Elizabeth Laderman

Abstract

This paper begins with a discussion of the influence of the number of firms and the variance of market shares on the Herfindahl-Hirschman Index (HHI) measure of market concentration. ; The paper then reports the changes in the number of depository institutions (DIs) and in the HHI in the Twelfth District and its 65 individual urban banking markets between 1982 and 1992, attributing these changes to underlying causes. I find that, although an increase in concentration need not accompany a decrease in firms, more than two-thirds of the 53 markets with DI decreases showed concentration increases. This suggests that regulatory review of DI mergers has been and will continue to be important in assuring the competitiveness of banking markets.

Suggested Citation

  • Elizabeth Laderman, 1995. "Changes in the structure of urban banking markets in the West," Economic Review, Federal Reserve Bank of San Francisco, pages 21-34.
    • Handle: RePEc:fip:fedfer:y:1995:p:21-34:n:1
    as

    Download full text from publisher

    File URL: https://www.frbsf.org/wp-content/uploads/95-1_22-34.pdf
    File Function: Full Text
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. David G. Holdsworth, 1993. "Is consolidation compatible with competition? The New York and New Jersey experience," Research Paper 9306, Federal Reserve Bank of New York.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Ana Kristel Lapid & Rogelio Mercado & Peter Rosenkranz, 2023. "Concentration in Asia's cross‐border banking: Determinants and impacts," Pacific Economic Review, Wiley Blackwell, vol. 28(2), pages 267-292, May.
    2. Dariusz Filip & Tomasz Miziołek, 2019. "Market Concentration in the Polish Investment Fund Industry," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 4, pages 53-78.
    3. Hung‐Hao Chang & Brian Lee, 2022. "The association between food outlet accessibility and market competition to household food expenditures: Empirical evidence from the convenience store industry in Taiwan," Agribusiness, John Wiley & Sons, Ltd., vol. 38(1), pages 134-153, January.
    4. Elizabeth Laderman, 2009. "Out-of-market small business loans," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue feb13.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. William R. Keeton, 1996. "Banking consolidation in Tenth District states," Economic Review, Federal Reserve Bank of Kansas City, vol. 81(Q II), pages 29-51.
    2. Randall S. Kroszner, "undated". "Testimony of Randall S. Kroszner Before the Committee on Banking and Financial Services, U.S. House of Representatives, April 29, 1998," CRSP working papers 473, Center for Research in Security Prices, Graduate School of Business, University of Chicago.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:fip:fedfer:y:1995:p:21-34:n:1. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Federal Reserve Bank of San Francisco Research Library (email available below). General contact details of provider: https://edirc.repec.org/data/frbsfus.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.