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    <subfield code="a">Ng Wai, Sean</subfield>
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    <subfield code="a">Why do banks disappear? : a history of bank failures and acquisitions in Trinidad, 1836-1992</subfield>
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    <subfield code="a">Examines the determinants of individual bank failures and acquisitions in Trinidad during the period 1836 to 1992.  Argues that bank failure and acquisitions result from poor responsiveness to market structure and the competitive environment, lax lending and investment behaviour of banks, ineffective recruitment and retention of staff, government intervention and financial instability.</subfield>
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