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FDIC Banking Review


2004 Volume 16, Nos. 1 and 2

This year's FDIC Banking Review features papers from the FDIC's Future of Banking project. Initiated by Chairman Donald Powell, the study projects likely trends in the structure and performance of the banking industry and anticipates the policy issues that will confront the industry and the regulatory community in the coming years.

The Future of Banking in America

Summary and Conclusions (132kb) | HTML
by George Hanc

This paper summarizes the 16 papers that constitute the future of banking study, and finds that the industry has favorable prospects for the years immediately ahead. The paper concludes with a discussion of possible events that might alter this outcome.

The Evolving Role of Commercial Banks in U.S. Credit Markets (286kb) | HTML
by Katherine Samolyk

The author examines 50 years of Flow of Funds Accounts (FFA) quarterly data to assess the significance of commercial banks in the provision of credit in the United States.

The Effect on U.S. Banking of Payment System Changes (118kb) | HTML
by Neil B. Murphy

The author discusses the major payments methods with emphasis on the major interbank networks and their implications for banks and the regulatory community.

Banking Review - 2004 - Vol. 16 No. 1 & 2, Full Edition
(493kb PDF File - PDF help or hard copy)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited. Please provide the FDIC's Division of Insurance and Research with a copy of any publications containing re printed material.

Single-copy subscriptions are available to the public free of charge. Requests for subscriptions, back issues or address changes should be mailed to: FDIC Banking Review, Public Information Center, 801 17th Street, N.W., Washington, DC 20434.

Chairman Donald E. Powell
Director, Division of Insurance and Research Arthur J. Murton
Deputy Director Fred Carns
Managing Editor Jack Reidhill
Editorial Committee Christine E. Blair
Valentine V. Craig
Rose M. Kushmeider
Publication Manager Geri Bonebrake

Last Updated 10/29/2004 Questions, Suggestions & Requests

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