Banking changes in the european monetary union

Preface1.The Recent History of and Trends in Banking in Developed Countries/Introduction/International Differences in Banking and Financial Markets/Universal Banks and their Increasing Importance/Industrial Structure and Banking/Summary2.Italian Banks in the 20th Century Italian Economy/The Italian Banking Laws: An Historical Perspective/The Distribution of Italian Banks and Branches/Regional Distributions of Loans, Deposits, Population, and GDP in Italy/Financial Flows and Regional Economic Development/Summary3.European Financial Integration: Some Lessons from Italy by Donald D. Hester and Fabio Sdogati/The Banking System in Italy/Regional Banking Markets/A Model of Noncooperative Market Behavior with Regional Price Discrimination/Summary and Interpretation/Appendix4.Regulatory Change and Bank Profitability in Italy/Introduction/Statistical Cost Accounting and Other Models/Description of Data Sets/Empirical Results/Summary and Discussion of Results/Appendix5.Determinants of Bank Branch Expansion in Italy by Giorgio Calcagnini, Riccardo De Bonis and Donald D. Hester/Introduction/An Overview of Italian Banking Structure/Literature on Branching/Bank Branching Decisions and Statement of Hypotheses/Data Resources and Descriptive Statistics/Statistical Methods and Empirical Results/Summary 6.Competition Through Innovation: ATMs in Italian Banks by Donald D. Hester, Giorgio Calcagnini and Riccardo De Bonis/Introduction/A Brief Survey of the Literature/Hypotheses about the Distribution of ATMs/Data Resources/Empirical Results/Conclusion Updating the Research and Prospects for the Future/Introduction/Interest Rate Differentials by Regions in Italy/Statistical Cost Accounting/Banch Expansion/Trends in Introducing Automated Teller Machines/SummaryBibliography