TY - BOOK ID - 84543267 TI - Banking competition and capital ratios AU - Schaeck, Klaus. AU - Cihak, Martin. AU - International Monetary Fund. PY - 2007 SN - 146235582X 1452733961 128351673X 9786613829184 1451912331 PB - [Washington, D.C.] : International Monetary Fund, Monetary and Capital Markets Dept., DB - UniCat KW - Banks and Banking KW - Finance: General KW - Financial Risk Management KW - Duration Analysis KW - Banks KW - Depository Institutions KW - Micro Finance Institutions KW - Mortgages KW - Financial Institutions and Services: Government Policy and Regulation KW - Production, Pricing, and Market Structure KW - Size Distribution of Firms KW - General Financial Markets: General (includes Measurement and Data) KW - General Financial Markets: Government Policy and Regulation KW - Banking KW - Financial services law & regulation KW - Finance KW - Economic & financial crises & disasters KW - Capital adequacy requirements KW - Competition KW - Commercial banks KW - Deposit insurance KW - Financial regulation and supervision KW - Financial markets KW - Financial institutions KW - Bank soundness KW - Financial sector policy and analysis KW - Loan loss provisions KW - Banks and banking KW - Asset requirements KW - Crisis management KW - State supervision KW - Switzerland KW - Bank capital KW - Econometric models. UR - https://www.unicat.be/uniCat?func=search&query=sysid:84543267 AB - We use data for more than 2,600 European banks to test whether increased competition causes banks to hold higher capital ratios. Employing panel data techniques, and distinguishing between the competitive conduct of small and large banks, we show that banks tend to hold higher capital ratios when operating in a more competitive environment. This result holds when controlling for the degree of concentration in banking systems, inter-industry competition, characteristics of the wider financial system, and the regulatory and institutional environment. ER -