Changing Bank Income Structure: Evidence from Large UK Banks? | Zendy

Kalsoom Jaffar | Zendy; Kumbirai Mabwe | Zendy; Robert I. Webb | Zendy

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Changing Bank Income Structure: Evidence from Large UK Banks?

Author(s) -

Kalsoom Jaffar,

Kumbirai Mabwe,

Robert I. Webb

Publication year - 2014

Publication title -

asian journal of finance and accounting

Language(s) - English

Resource type - Journals

ISSN - 1946-052X

DOI - 10.5296/ajfa.v6i2.5975

Subject(s) - deregulation , comprehensive income , net interest income , economics , financial system , intermediation , financial intermediary , financial crisis , gross income , business , monetary economics , interest rate , finance , public economics , market economy , macroeconomics , tax reform , state income tax

The UK banking industry has steadily moved from the traditional role of financial intermediation and is increasingly relying on non-traditional business activities that generate fee income, dealings profit and other types of noninterest income. Using the dataset of large British Banks for the period 1986-2012, this study investigates the changes in the bank income structure as a result of the 1986 deregulation and tease out the effect that these changes have had in relation to systemic risk. On a micro analysis, larger banks are more able to sustain high levels of noninterest income. Among the banks Lloyds and HSBC stand out as

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