Abstract

http://ssrn.com/abstract=1389155
 
 

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The Impact of Organizational Structure and Lending Technology on Banking Competition


Hans Degryse


KU Leuven, Department Accounting, Finance and Insurance; Centre for Economic Policy Research (CEPR)

Luc Laeven


International Monetary Fund (IMF); Centre for Economic Policy Research (CEPR)

Steven Ongena


University of Zurich and SFI

April 2009

Review of Finance, Vol. 13, Issue 2, pp. 225-259, 2009

Abstract:     
We investigate how bank organization shapes banking competition. We show that a bank's geographical lending reach and loan pricing strategy is determined by its own and its rivals’ organizational structure. We estimate the impact of organization on the geographical reach and loan pricing of a large bank. We find that the reach of the bank is smaller when rival banks are large and hierarchically organized, have superior communication technology, have a narrower span of organization, and are closer to a decision unit with lending authority. Rival banks’ size and the number of layers to a decision unit soften spatial pricing.

Keywords: G21, L11, L14

Accepted Paper Series


Not Available For Download

Date posted: April 21, 2009  

Suggested Citation

Degryse, Hans and Laeven, Luc and Ongena, Steven, The Impact of Organizational Structure and Lending Technology on Banking Competition (April 2009). Review of Finance, Vol. 13, Issue 2, pp. 225-259, 2009. Available at SSRN: http://ssrn.com/abstract=1389155 or http://dx.doi.org/rfn029

Contact Information

Hans Degryse (Contact Author)
KU Leuven, Department Accounting, Finance and Insurance ( email )
Naamsestraat 69
Leuven, B-3000
Belgium
Centre for Economic Policy Research (CEPR)
77 Bastwick Street
London, EC1V 3PZ
United Kingdom
Luc A. Laeven
International Monetary Fund (IMF) ( email )
700 19th Street, N.W.
Washington, DC 20431
United States
202-6239020 (Phone)
Centre for Economic Policy Research (CEPR)
77 Bastwick Street
London, EC1V 3PZ
United Kingdom
Steven R. G. Ongena
University of Zurich and SFI ( email )
Plattenstrasse 14
Zürich, 8032
Switzerland
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