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Market Concentration and Uniform Pricing: Evidence from Bank Mergers

Staff Working Paper 2021-9 João Granja, Nuno Paixão
We show that US banks price deposits almost uniformly across their branches and that this pricing practice is more important than increases in local market concentration in explaining the deposit rate dynamics following bank mergers.

Edona Reshidi

Edona Reshidi
Edona Reshidi is a Senior Economist in the Banking and Payments Department (BAP) - CBDC and FinTech Policy & Research.
Department(s): Banking and Payments Research Field(s): Industrial Organization
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