• Ray Kinsella
  • Philip Bourke


The Irish financial system, at the heart of which are credit institutions, has experienced a period of unprecedented expansion and structural change since the mid-1980s. There was a broadening and deepening in the key services provided by banks, both domestic institutions as well as those from other EU countries and from outside the European Economic Area (EEA), in intermediation, deposit taking and money transmission, financial and investment services, and portfolio management and related services.


Credit Union Credit Institution Single Currency Building Society European Economic Area 
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  1. 1.
    Dias, F. (1995), Bank Competition in Ireland: thesis submitted to UCD for MBS degree. The model used by Dias was similar to that used by P. Molyneux, D.M. Lloyd-Williams and J. Thornton (1994), ‘Competitive conditions in European banking’, Journal of Banking and Finance, 18, pp. 445–59. It had a single product (loan) output, with deposits, labour and capital as inputs. It did not take account of deposit services, hence of noninterest income, which has become progressively more important as a proportion of total revenues throughout the 1990s. Kinsella (1980) used the Herfendahl index to measure market concentration in ‘Market concentration in banking: structure, conduct and performance’, Journal of Statistical and Social Inquiry Society of Ireland, 24 (3) 1980/81, pp. 31–70.Google Scholar
  2. 3.
    See P. Bourke and R. Kinsella (1998), ‘Globalisation, cross-border trade in financial services and offshore banking: the case of Ireland’ in C. Schoz and J. Zentes, Strategisches Euro-management (Schaffer-Poeschel, Stuttgart).Google Scholar
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    See R. Kinsella (1996) in Internal Controls in Banking (Wiley, London) for Irish case studies and for EU and regulatory perspectives.Google Scholar
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    Watson, Irish Banking Review, EMU Special Issue 1997.Google Scholar
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    Terry Baker, Joan Fitzgerald and Patrick Honohan (1996), Economic Implications for Ireland and the EMU (Economic and Social Research Institute, Ireland, Policy Research Theories, 28).Google Scholar
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    Dowling, Irish Banking Review, EMU Special Issue 1997.Google Scholar

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© Palgrave Macmillan, a division of Macmillan Publishers Limited 2002

Authors and Affiliations

  • Ray Kinsella
  • Philip Bourke

There are no affiliations available

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