-privatization performance is mixed. The paper finds that privatized banks turn toward more traditional banking models and increase credit …

Theory suggests that the effect of banking market concentration on financial stability is mediated by several competing … concentration, increasing concentration improves banking system stability via profitability. At higher levels of concentration …, increasing concentration makes the banking system more fragile because of the cost of credit, diversification and the ease of …

. Overall, banking strategies that rely prominently on generating non-interest income or attracting non-deposit funding are very … risky, which is consistent with the demise of the U.S. investment banking sector. "--World Bank web site …