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date: 26 March 2019

Abstract and Keywords

This article surveys the banking industry within the group of countries known as the European Union-15, comprising Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Luxembourg, Italy, the Netherlands, Portugal, Spain, Sweden, and the UK. The second section of the article outlines key characteristics of the banking sectors of the European Union-15 at the country level. The third section adopts a broader comparative approach in examining the structure and performance of the European banking industry. The fourth section examines the integration of European banking across national borders, and assesses the extent to which the European Union's objective of creating a European single market in financial services had been realized. The fifth section discusses the challenges for supervision and financial stability that are raised by the development of a European single market, and the impact of the credit crisis since 2007. The sixth section summarizes and concludes.

Keywords: banking industry, European Union-15, banking integration, European single market, financial services, credit crisis

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