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Does too much competition in banking hurt society? What policies can best protect and stabilize banking without stifling it? Institutional responses to such questions have evolved over time, from interventionist regulatory control after the Great Depression to the liberalization policies that started in the United States in the 1970s. The global financial crisis of 2007-2009, which originated from an oversupply of credit, once again raised questions about excessive banking competition and what should be done about it. Competition and Stability in Banking addresses the critical relationships between competition, regulation, and stability, and the implications of coordinating banking regulations with competition policies.Xavier Vives argues that while competition is not responsible for fragility in banking, there are trade-offs between competition and stability. Well-designed regulations would alleviate these trade-offs but not eliminate them, and the specificity of competition in banking should be accounted for. Vives argues that regulation and competition policy should be coordinated, with tighter prudential requirements in more competitive situations, but he also shows that supervisory and competition authorities should stand separate from each other, each pursuing its own objective. Vives reviews the theory and empirics of banking competition, drawing on up-to-date analysis that incorporates the characteristics of modern market-based banking, and he looks at regulation, competition policies, and crisis interventions in Europe and the United States, as well as in emerging economies.Focusing on why banking competition policies are necessary, Competition and Stability in Banking examines regulation's impact on the industry's efficiency and effectiveness.

Private finance --- Banks and banking. --- Banks and banking --- Competition. --- Agricultural banks --- Banking --- Banking industry --- Commercial banks --- Depository institutions --- Finance --- Financial institutions --- Money --- Competition (Economics) --- Competitiveness (Economics) --- Economic competition --- Commerce --- Conglomerate corporations --- Covenants not to compete --- Industrial concentration --- Monopolies --- Open price system --- Supply and demand --- Trusts, Industrial --- Government policy. --- 333.139.2 --- 333.106 --- Bankcontrole en -reglementering. Reglementering van het bankberoep. --- Kost, rendabiliteit en concurrentie in de banken. --- Competition --- Economic aspects --- Bankcontrole en -reglementering. Reglementering van het bankberoep --- Kost, rendabiliteit en concurrentie in de banken --- Government policy --- Europe. --- European Union. --- United States. --- asymmetric information. --- banking sector. --- cartels. --- competition policy. --- competition. --- concentration. --- consolidation. --- consumer protection. --- contagion. --- credit. --- crisis interventions. --- deregulation. --- developing economies. --- economic growth. --- emerging economies. --- financial crisis. --- financial innovation. --- financial intermediation. --- financial sector. --- fragility. --- industrial organization approach. --- macroprudential regulation. --- mergers. --- network externalities. --- pricing. --- product differentiation. --- prudential regulation. --- regulation. --- regulatory failure. --- regulatory reform. --- restrictive agreements. --- risk taking. --- safety net. --- savings banks. --- shadow banking. --- stability. --- state aid. --- state ownership. --- systemic risk. --- two-sided markets.

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In the current competitive scenario, the banking industry must contend with multiple challenges tied to regulations, legacy systems, disruptive models/technologies, new competitors, and a restive customer base, while simultaneously pursuing new strategies for sustainable growth. Banking institutions that can address these emerging challenges and opportunities to effectively balance long-term goals with short-term performance pressures could be aptly rewarded. This book comprises a selection of papers addressing some of these relevant issues concerning the current challenges and opportunities for international banking institutions. Papers in this collection focus on the digital transformation of the banking industry and its effect on sustainability, the emergence of new competitors such as FinTech companies, the role of mobile banking in the industry, the connections between sustainability and financial performance, and other general sustainability and corporate social responsibility (CSR) topics related to the banking industry. The book is a Special Issue of the MDPI journal Sustainability, which has been sponsored by the Santander Financial Institute (SANFI), a Spanish research and training institution created as a collaboration between Santander Bank and the University of Cantabria. SANFI works to identify, develop, support, and promote knowledge, study, talent, and innovation in the financial sector.

stimulus-response model --- utilitarian value --- Hedonic value --- salesperson selling behaviors --- customer satisfaction --- loan expansion --- GDP --- NPL --- ARDL --- VECM --- Johansen test of co-integration --- unit root --- non-performing loans --- sovereign debt distress --- tail dependence --- gaussian copula regression --- mobile financial services (MFS) --- trust --- perceived risk --- structural equation modeling (SEM) --- multiple-criteria decision-making (MCDM) --- technique for order preference by similarity to ideal solution (TOPSIS) --- analytic hierarchy process (AHP) --- data envelopment analysis --- commercial banks --- product innovation --- performance evaluation --- innovation risk --- digital financial inclusion --- risk-coping ability --- vulnerability to poverty --- instrumental variable estimation --- emotional intelligence --- work-family conflict --- job burnout --- employees’ turnover intention --- perceived organizational support --- the Vietnamese banking industry --- stochastic DEA --- multi-attribute decision making --- ordinal variable --- cross-efficiency --- corporate social responsibility disclosure (CSRD) --- financial performance --- Islamic Banking Industry of Pakistan --- GRI --- AAOIFI --- CSRD index --- cost of equity --- IFRS adoption --- European banks --- corporate governance --- banking regulation --- CSP–CFP relationship --- banking sustainability --- glass ceiling --- board composition --- equal opportunity policy --- CSR --- communication --- discourse --- exposition --- narrative --- storytelling --- banking --- catering --- utilitarian service --- hedonic service --- sustainable finance --- sustainable financial products --- sustainable banking --- SDGs --- sustainable development --- Latin America --- ESG. --- digital transformation --- knowledge management --- digital government --- public sector --- public administration --- peer-to-peer lending --- bank risk --- insolvency risk --- illiquidity risk --- financial inclusion --- vulnerable rural areas --- sustainable solutions --- central bank digital currency --- social sustainability --- pharmacy network --- sustainable access to cash --- nonperforming loans --- macroeconomic factors --- econometric model --- exchange rate --- unemployment rate --- inflation rate --- MoM(micro-operating mechanism) --- regulatory sandbox --- fintech --- type by enterprise --- innovation competencies --- patents data --- evidence-based policy --- European financial services --- SMEs --- nonfinancial information --- sustainable reporting --- disclosure --- lexical analysis --- nonfinancial reporting --- dynamic provisioning --- macroprudential supervision --- counter-cyclical adjustment --- innovative solution --- mobile banking --- Nigeria --- sub-Saharan Africa (SSA) --- qualitative meta-synthesis (QMS) --- banking industry --- value in use approach --- FinTech innovation --- valuation --- patent application --- market power --- efficiency --- profitability --- risk --- CBDC --- digital currency --- bank run --- central bank --- economic sustainability --- organizational ambidexterity --- blended ambidexterity --- innovation process --- buy-now-pay-later --- regulatory failure --- regulation --- consumer behaviour --- bank --- barriers --- digitalisation --- management --- perception --- transformation --- social media --- admiration --- consumer loyalty --- sustainability