Antitrust Analysis in Banking: Goals, Methods, and Justifications in a Changed Environment by ProQuest

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Antitrust analysis (also known as competitive analysis) of bank mergers has used the same basic procedures for decades, even though the banking market has experienced significant shifts. The goal of competitive analysis is to protect competition in banking markets. Current analysis focuses on competition in local markets with emphasis on competition in the deposit market. This article discusses the history and current methods of competitive analysis. It also reviews justifications for the current methods of analysis in the face of the availability of internet banking and nationwide lenders, and it examines some of the latest survey data on the subject. The article concludes that the means of analysis continues to make sense regardless of a changed environment.

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									                 Economic Quarterly—Volume 94, Number 1—Winter 2008—Pages 45–72




Antitrust Analysis in
Banking: Goals, Methods,
and Justifications in a
Changed Environment
                                         John R.Walter and Patricia E.Wescott




A
         ntitrust analysis (also known as competitive analysis) of bank mergers
         has used the same basic procedures for decades, even though the
         banking market has experienced significant shifts. Do these changes
in the banking market call for changes in competitive analysis – or perhaps its
cessation? We argue that continued use of these procedures makes sense.
     The goal of competitive analysis is to protect competition in banking mar-
kets. Bank supervisors, along with the Department of J
								
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