Ostojić, Mladen. 2015. Differential Taxation: The Case of American 
Banking. Major Research Paper (MRP), Political Science, York University, 
Toronto, pp. 1-27.

ABSTRACT: This paper maps an empirical history of corporate profit and 
taxation in the United States, with a special focus on the differential 
profit and taxation of banks relative to other corporations. An 
examination of these trends reveals a striking anomaly within the 
American banking sector: from the early 1980s until the financial crisis 
of 2007-2008, its after-tax profits sharply outpaced those of the 
corporate average despite its effective tax rates having simultaneously 
increased relative to those of the corporate average. This curious 
combination of improved differential performance and an increased 
differential tax burden may have been due to banking deregulation – 
strong enough to boost pre-tax profits so much that they more than 
offset the effects of increased taxation and also raised after-tax 
profits along the way. In addition, these trends reveal a convergence of 
interests between American banking and government, with the former 
earning higher profits and the latter earning higher tax revenues. 
Whether implicitly or explicitly created, this tax arrangement relied on 
unsustainably deregulated banking profits and ultimately collapsed 
during the financial crisis of 2007-2008.

FULL TEXT: http://bnarchives.yorku.ca/439/

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