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    This study examined the relationship between bank competition and financial stability in the United States before and after the financial crisis using various measures of competition. The results found that banks facing more competition had lower interest margins, lower risk investments, lower profitability, lower cash holdings, and lower Tier 1 capital. Banks facing greater competition were also less likely to be targeted for regulatory enforcement and provided a greater supply of credit. The study concludes that its findings are consistent with the predictions that greater banking competition leads to more stable banking systems and housing prices.

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    This study examined the relationship between bank competition and financial stability in the United States before and after the financial crisis using various measures of competition. The results found that banks facing more competition had lower interest margins, lower risk investments, lower profitability, lower cash holdings, and lower Tier 1 capital. Banks facing greater competition were also less likely to be targeted for regulatory enforcement and provided a greater supply of credit. The study concludes that its findings are consistent with the predictions that greater banking competition leads to more stable banking systems and housing prices.

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    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
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    12 views4 pages

    Data Collection Sample

    Uploaded by

    Rabin Shrestha
    This study examined the relationship between bank competition and financial stability in the United States before and after the financial crisis using various measures of competition. The results found that banks facing more competition had lower interest margins, lower risk investments, lower profitability, lower cash holdings, and lower Tier 1 capital. Banks facing greater competition were also less likely to be targeted for regulatory enforcement and provided a greater supply of credit. The study concludes that its findings are consistent with the predictions that greater banking competition leads to more stable banking systems and housing prices.

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    © All Rights Reserved
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    of 4

    S.

    N CODE Year Paidup TotalAsset Deposit Loan Equity NetIncome


    1 NBL 2013 3716.4 77171.2 62988.9 37844.1 -964.2 791.5
    2 NBL 2014 6465 83311.1 69341.2 41191 2630.1 1039.2
    3 NBL 2015 6465 90309.2 78007.2 53240.6 3347.1 526.1
    4 NBL 2016 6465 112356.4 89410.02 63512.85 3236.57 3022.45
    5 NABIL 2013 2436.8 78260 63611.3 47522.9 5464.7 2232.4
    6 NABIL 2014 3047.2 93760.3 75384.5 55829.6 6690.3 2397.6
    7 NABIL 2015 3657.7 124849.5 104241.5 66995.8 7642.1 2188.6
    8 NABIL 2016 4756.57 139307.5 110267.2 77561.69 9487.21 3081.57
    9 NIBL 2013 3768 77999 62428.9 47369.2 6051.8 1991.5
    10 NIBL 2014 4146.7 91986.7 73831.3 53092.9 7022.5 1927.9
    11 NIBL 2015 4771.2 111042.9 90631.5 67033.4 7928 1960.2
    12 NIBL 2016 7255.51 137823.5 108626.6 86742.07 15260.53 2548.66
    APA Reference Citatation Purpose/ Issue/ Rational

    Akins, B., Li, L., Ng,J., & Rusticus, Akins, Li, Ng and This study aims to examine the nexsus
    T.O.(2016). Bank competition and Rusticus (2016) between bank competition and financial
    financial stability: Evidence from stability in the United states. The major
    the financial crisis. Journal of concern of this study is to find the
    Financial and Quantitative Analysis effect of bank competition both before
    , 51(1), 1–28. doi: and after the financial crises by
    doi:10.1017/S0022109016000090 showing the individual actions and
    failures as well as mortgage lending
    and housing prices.
    Measures of competition Methodology/ Samples/ Variable Results/ Findings

    This study useses the market level The unit analysis of the this study was The study finds that bank facing the competition
    measures of bank competition first commerical banks. For the analysis earn lower interest margins and make
    and then at bank level as the purpose, the study uses the interest investments with lower risks. Further the study
    weigheted - average margin, capitalization, riskiness of assets indicates banks facing more competition have
    competition.Herfindhal index and portfolio, earnings performance and lower profitability, cash holdings and Tier 1
    concentration ratio are taken as liquidity dimension as the specfic capital. The results suggests that bank facing
    measures of competition.The dimensions of bank risk taking. This greater competiton are less likely to be targeted
    panzar-Rosse (1987) H-statistics study further uses the CAMELS rating for regulatory enforcement and less lead to a
    between banks are used as an system to assess the bank risk. Majorly, greater supply of credit.
    alternative measure of competition. regression analysis is used for the study
    purpose.
    Conclusion Implication for GAP
    practice/ future
    research

    The study is consistent with the


    predicton of Boyed and De Nicolo.
    Similarly the the study is consistent with
    the hypotheses that degree of banking
    competiton affects housing price.

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