Explaining the Rising Concentration of Banking Assets in the 1990s

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Current Issues in Economics and Finance

Explaining the Rising Concentration of Banking Assets in the 1990s

August 2000 Volume 6, Number 9

JEL classification: G21

Authors: Kevin J. Stiroh and Jennifer P. Poole

In recent years, the nation’s largest bank holding companies have sharply increased their market share of assets. Have these institutions achieved their dominance by expanding their existing subsidiaries or by merging with other bank holding companies? A study of industry data for 1990-99 suggests that the increased market share of the largest companies is attributable almost entirely to external growth through mergers and acquisitions.

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