Bank Profitability, Competition, Efficiency and Specialization in Rural Banking Markets
Lee, Sunjong
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https://hdl.handle.net/2142/82962
Description
Title
Bank Profitability, Competition, Efficiency and Specialization in Rural Banking Markets
Author(s)
Lee, Sunjong
Issue Date
2002
Doctoral Committee Chair(s)
Paul N. Ellinger
Department of Study
Agricultural Economics
Discipline
Agricultural Economics
Degree Granting Institution
University of Illinois at Urbana-Champaign
Degree Name
Ph.D.
Degree Level
Dissertation
Keyword(s)
Economics, Agricultural
Language
eng
Abstract
Major findings of this study are: (1) higher degrees of specialization do not contribute to bank profitability; (2) market structure does not influence the degree of bank specialization; (3) market power resulting from the greater market share of a bank is a direct source of higher profitability; (4) firm-level inefficiency is an important source of declining profits; (5) banks specializing in rural business loans show higher profitability; (6) individual bank profitability is strongly affected by the market profitability.
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