This paper provides an account of the origins and structure of the Finnish system of financial regulations which was prevalent in the post-war decades until the deregulation of the 1980s. Despite considerable macroeconomic volatility, the banking sector in Finland was remarkably stable. There were no significant bank failures over this period of more than 40 years, and credit losses were of no ...

This paper seeks to investigate the determinants of banking network profitability in Iran from 2007 to 2012. The results of our study indicate that both bank-specific factors and macroeconomic factors influence banks’ profitability in Iran. Results confirm that bank profitability is significantly influenced by investment to total assets ratio, non-performing loans to total assets ratio, a...

Although there has been an increase in the overall financial services market, the profitability of banks world-wide has decreased from the early 1980s to the 1990s. This has been attributed to several factors: the decline of traditional banking activities (deposit taking and lending); poorly performing debts (arising from poor lending decisions); and, for domestic banks, depressed property pric...

The 1994 Reigle-Neal Act gave multistate bank holding companies the option to convert to an interstate branch bank structure by authorizing the merger of bank subsidiaries across state lines. Over the following five year period, an increasing number of banking companies, including a number of very large ones, have done so. As a result, large companies operating through interstate branches have ...

Banking has an important role in the economy and a function as agent of trust, development, services. In creating healthy banking system, Bank Indonesia issued program to strengthen national capital order improve ability banks manage business risk. The purpose this study was analyze effect earning asset quality, loan deposit ratio, non-performing loans, operating expenses on profit with adequac...

This paper estimates the relationship between banking market concentration and high-risk portfolio strategies at commercial banks. I use the unprecedented changes in the degree of competition in local banking markets that occurred after 1980 to estimate the impact of market competition on the risk profile of commercial bank lending. I find evidence that increasing concentration has been associa...