Chapter 11: Safety, Soundness, and the Evolution of the U.S. Banking Industry - Handbook of Financial Intermediation and Banking [Book]

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CHAPTER 11 Safety, Soundness, and the Evolution of the U.S. Banking Industry

Robert DeYoung

University of Kansas

1. Introduction

2. The Evolution of the U.S. Banking Industry

2.1. Financial Innovation and Technological Change

2.2. Regulatory Reaction to Financial Innovation and Technological Change

2.3. Widespread Technology Adoption and Industry Transformation

3. A Stylized View of Banking Strategies

3.1. Prederegulation

3.2. Postderegulation

4. Evidence Consistent with the Strategic Map

5. Further Implications of Strategic Change

5.1. Industry Structure

5.2. Noninterest Income

5.3. Financial Performance

6. Is the Industry Safe and Sound Today?

The author thanks Mark Flannery, Ed Kane, Myron Kwast, and Loretta Mester for their ...

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