This paper analyzes the determinants of bank acquisitions both within and across 25 members of the European Union (EU …

, and provide weak evidence to support their constructive role in improved bank profitability and economic restructure …

, a minimum ratio that represents best-practice lending given the volume and composition of a bank's loans, the average … concentration; and, second, a ratio, the difference between the bank's observed ratio of nonperforming loans and the best …-practice minimum ratio, that represents the bank's proficiency at loan making. The best-practice ratio of nonperforming loans, the …

: first, a minimum ratio that represents best-practice lending given the volume and composition of a bank's loans, the average … concentration; second, a ratio, the difference between the bank's observed ratio of nonperforming loans, adjusted for statistical … noise, and the best-practice minimum ratio, that represents the bank's proficiency at loan making; third, a statistical …

Using 2013 and 2016 data, we compare the performance of unsecured consumer loans made by U.S. bank holding companies to … ratio, adjusted for statistical noise, and the minimum ratio gauges lending inefficiency. In 2013 and 2016, the largest bank … similar to the high average efficiency of the largest bank lenders - a conclusion that may not be applicable to other fintech …

within the community bank segment, larger community banks outperform smaller community banks. Our findings, taken as a whole …