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Friedrich-Alexander-Universität Erlangen-Nürnberg (FAU) >
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IWQW Discussion Paper Series, FAU Erlangen-Nürnberg >
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http://hdl.handle.net/10419/29556
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| Title: | | Consolidation in banking and financial stability in Europe: empirical evidence  |
| Authors: | | Uhde, André Heimeshoff, Ulrich |
| Issue Date: | | 2009 |
| Series/Report no.: | | IWQW discussion paper series 02/2009 |
| Abstract: | | Using aggregate balance sheet data from banks across the EU-25 over the period from 1997 to 2005 this paper provides empirical evidence that national banking market concentration has a negative impact on European banks' financial soundness as measured by the Z-score technique while controlling for macroeconomic, bank-specific, regulatory, and institutional factors. Furthermore, we find that Eastern European banking markets exhibiting a lower level of competitive pressure, fewer diversification opportunities and a higher fraction of government-owned banks are more prone to financial fragility whereas capital regulations have supported financial stability across the entire European Union. |
| Subjects: | | Market structure Financial stability Banking regulation |
| JEL: | | G21 G28 G34 L16 |
| Document Type: | | Working Paper |
| Appears in Collections: | | IWQW Discussion Paper Series, FAU Erlangen-Nürnberg
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