Organizational forms in banking: an empirical investigation of cost efficiency

Article Abstract:

Article compares the relative performance of bank holding companies and branch banking organizations. The study employs non-parametric frontiers from which measures of overall, allocative, technical, pure technical and scale efficiency can be derived. Frontier results show the two organizational forms to be statistically different. No differences were revealed in allocative efficiency. Branch banking was shown to be a more efficient organizational form than the bank holding company.

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Commercial bank mutual fund activities: implications for bank risk and profitability

Article Abstract:

The effect of mutual fund activities on bank holding company risk and profitability from 1987 to 1994 was examined. Results show a significant decline in bank risk, which suggests that mutual fund activities moderated the banking industry's systematic risk. Mutual fund activities likewise boosted banking profitability. These findings show that mutual funds are materially rewarding potential business partners for bank holding companies.

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Do some lenders have information advantages? Evidence from Japanese credit market data

Article Abstract:

A detailed study of Japanese credit markets indicated bias of business firms seeking loans for main banking firms in comparison to non-main banks. The preference for main banks was attributed to inadequate information about non-main banks that are invariably facing risk.

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