Competition has varied impact on bank risk – BoE paper

Bank of England
Photo: Juno Snowdon Photography

Competitive pressure has an impact on bank risk-taking, but the effect depends on each institution’s characteristics, research published by the Bank of England finds.

Sebastian de-Ramon, William Francis and Michael Straughan employ quantile regression, which they say generates a more detailed picture than simple regressions. This has “important implications” for assessing the relationship between competition and risk at the banking sector level, they say in the working paper.

The authors

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