---
_id: '4406'
abstract:
- lang: eng
  text: Using aggregate balance sheet data from banks across the EU-25 over the period
    from 1997 to 2005 we provide empirical evidence that national banking market concentration
    has a negative impact on European banks’ financial soundness as measured by the
    Z-score technique while controlling for macroeconomic, bank-specific, regulatory,
    and institutional factors. Furthermore, our analysis reveals that Eastern European
    banking markets exhibiting a lower level of competitive pressure, fewer diversification
    opportunities and a higher fraction of government-owned banks are more prone to
    financial fragility whereas capital regulations have supported financial stability
    across the entire European Union.
author:
- first_name: André
  full_name: Uhde, André
  id: '36049'
  last_name: Uhde
  orcid: https://orcid.org/0000-0002-8058-8857
- first_name: Ulrich
  full_name: Heimeshoff, Ulrich
  last_name: Heimeshoff
citation:
  ama: 'Uhde A, Heimeshoff U. Consolidation in banking and financial stability in
    Europe: Empirical evidence. <i>Journal of Banking &#38; Finance</i>. 2009;33(7):1299-1311.
    doi:<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>'
  apa: 'Uhde, A., &#38; Heimeshoff, U. (2009). Consolidation in banking and financial
    stability in Europe: Empirical evidence. <i>Journal of Banking &#38; Finance</i>,
    <i>33</i>(7), 1299–1311. <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>'
  bibtex: '@article{Uhde_Heimeshoff_2009, title={Consolidation in banking and financial
    stability in Europe: Empirical evidence}, volume={33}, DOI={<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>},
    number={7}, journal={Journal of Banking &#38; Finance}, author={Uhde, André and
    Heimeshoff, Ulrich}, year={2009}, pages={1299–1311} }'
  chicago: 'Uhde, André, and Ulrich Heimeshoff. “Consolidation in Banking and Financial
    Stability in Europe: Empirical Evidence.” <i>Journal of Banking &#38; Finance</i>
    33, no. 7 (2009): 1299–1311. <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>.'
  ieee: 'A. Uhde and U. Heimeshoff, “Consolidation in banking and financial stability
    in Europe: Empirical evidence,” <i>Journal of Banking &#38; Finance</i>, vol.
    33, no. 7, pp. 1299–1311, 2009, doi: <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>.'
  mla: 'Uhde, André, and Ulrich Heimeshoff. “Consolidation in Banking and Financial
    Stability in Europe: Empirical Evidence.” <i>Journal of Banking &#38; Finance</i>,
    vol. 33, no. 7, 2009, pp. 1299–311, doi:<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>.'
  short: A. Uhde, U. Heimeshoff, Journal of Banking &#38; Finance 33 (2009) 1299–1311.
date_created: 2018-09-14T13:02:19Z
date_updated: 2023-01-10T09:36:22Z
department:
- _id: '186'
- _id: '188'
doi: https://doi.org/10.1016/j.jbankfin.2009.01.006
extern: '1'
intvolume: '        33'
issue: '7'
jel:
- G21
- G28
- G34
- L16
keyword:
- Market structure
- Financial stability
- Banking regulation
language:
- iso: eng
page: 1299-1311
publication: Journal of Banking & Finance
publication_status: published
status: public
title: 'Consolidation in banking and financial stability in Europe: Empirical evidence'
type: journal_article
user_id: '21810'
volume: 33
year: '2009'
...