The tendency for large banks to have a higher return on equity than small banks suggests:

Name: The tendency for large banks to have a higher return on equity than small banks suggests:
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The fact that large banks have a higher return on equity than small banks suggests that there are significant economies of scale in banking. This means that larger banks can spread their fixed costs over a larger base of assets, which lowers their per-unit costs and enables them to generate higher profits.

The Tendency for Large Banks to Have a Higher Return