Do Brazilian Banks Compete?
Do Brazilian Banks Compete?

Author: Ms.Agnes Belaisch

Publisher: International Monetary Fund

Published: 2003-06-01

Total Pages: 23

ISBN-13: 1451853726

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More developed financial systems are associated with higher investment and better economic performance. This paper discusses possible factors that may inhibit a deepening of bank intermediation and more efficient banking in Brazil, two aspects that are found to be significantly different than in leading banking systems in other parts of the world. Using panel data, it finds positive evidence of the presence of a noncompetitive market structure in the Brazilian banking system, a factor that could explain why intermediation may be relatively low and costly. When banks behave like local monopolies or oligopolies, incentives to improve efficiency are weak and the interest rate spread is large, discouraging higher lending volumes.

Access to Financial Services in Brazil
Access to Financial Services in Brazil

Author: Anjali Kumar

Publisher: World Bank Publications

Published: 2005

Total Pages: 698

ISBN-13: 9780821357163

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There is an increasing awareness that access to financial services can contribute to economic growth and poverty reduction. This study focuses on the delivery of financial services in Brazil, one of the world's most important emerging financial markets. It examines different aspects of financial service provision, and explores approaches to address problems of financial exclusion. Topics discussed include: microfinance schemes; private banking; rural finance systems; institutional infrastructure; and the role of government policy.

Do Brazilian Banks Compete?
Do Brazilian Banks Compete?

Author: Ms. Agnes Belaisch

Publisher: International Monetary Fund

Published: 2003-06-01

Total Pages: 23

ISBN-13: 1451899130

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More developed financial systems are associated with higher investment and better economic performance. This paper discusses possible factors that may inhibit a deepening of bank intermediation and more efficient banking in Brazil, two aspects that are found to be significantly different than in leading banking systems in other parts of the world. Using panel data, it finds positive evidence of the presence of a noncompetitive market structure in the Brazilian banking system, a factor that could explain why intermediation may be relatively low and costly. When banks behave like local monopolies or oligopolies, incentives to improve efficiency are weak and the interest rate spread is large, discouraging higher lending volumes.

Microeconometrics of Banking
Microeconometrics of Banking

Author: Hans Degryse

Publisher: Oxford University Press, USA

Published: 2009

Total Pages: 249

ISBN-13: 0195340477

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This title provides a compendium to recent work in empirical banking. It follows the structure in 'The Microeconomics of Banking' by Xavier Freixas and Jean Charles Rochet in arranging the relevant methodologies, applications and results to achieve a coherent synthesis between available theory and supporting empirics.

Expanding Bank Outreach Through Retail Partnerships
Expanding Bank Outreach Through Retail Partnerships

Author:

Publisher: World Bank Publications

Published: 2006-01-01

Total Pages: 64

ISBN-13: 082136703X

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"This paper explores the extent to which formal, regulated financial institutions such as banks have been able to partner with "correspondents"- commercial entities whose primary objective and business is other than the provision of financial services. The paper illustrates the case of Brazil, where banks recently have developed extensive networks of such correspondents. Such arrangements result in lower costs and shared risks for participating financial institutions, making these arrangements an attractive vehicle for outreach to the underserved. Correspondent banking requires an enabling environment to emerge, and poses some regulatory challenges and some increase in risk. While there are reasons why this model was particularly successful in Brazil, it may be replicable elsewhere if appropriate regulatory adjustments are undertaken."

Financing Energy Efficiency
Financing Energy Efficiency

Author: Robert P. Taylor

Publisher: World Bank Publications

Published: 2008-02-08

Total Pages: 306

ISBN-13: 0821373056

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While energy efficiency projects could partly meet new energy demand more cheaply than new supplies, weak economic institutions in developing and transitional economies impede developing and financing energy efficiency retrofits. This book analyzes these difficulties, suggests a 3-part model for projectizing and financing energy efficiency retrofits, and presents thirteen case studies to illustrate the issues and principles involved.

Doing Business 2020
Doing Business 2020

Author: World Bank

Publisher: World Bank Publications

Published: 2019-11-21

Total Pages: 254

ISBN-13: 1464814414

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Seventeen in a series of annual reports comparing business regulation in 190 economies, Doing Business 2020 measures aspects of regulation affecting 10 areas of everyday business activity.

Bank Risk-Taking and Competition Revisited
Bank Risk-Taking and Competition Revisited

Author: Mr.Gianni De Nicolo

Publisher: International Monetary Fund

Published: 2006-12-01

Total Pages: 51

ISBN-13: 1451865570

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This paper studies two new models in which banks face a non-trivial asset allocation decision. The first model (CVH) predicts a negative relationship between banks' risk of failure and concentration, indicating a trade-off between competition and stability. The second model (BDN) predicts a positive relationship, suggesting no such trade-off exists. Both models can predict a negative relationship between concentration and bank loan-to-asset ratios, and a nonmonotonic relationship between bank concentration and profitability. We explore these predictions empirically using a cross-sectional sample of about 2,500 U.S. banks in 2003 and a panel data set of about 2,600 banks in 134 nonindustrialized countries for 1993-2004. In both these samples, we find that banks' probability of failure is positively and significantly related to concentration, loan-to-asset ratios are negatively and significantly related to concentration, and bank profits are positively and significantly related to concentration. Thus, the risk predictions of the CVH model are rejected, those of the BDN model are not, there is no trade-off between bank competition and stability, and bank competition fosters the willingness of banks to lend.

Federal Banking in Brazil
Federal Banking in Brazil

Author: Kurt e von Mettenheim

Publisher: Routledge

Published: 2015-10-06

Total Pages: 261

ISBN-13: 1317323610

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This study is the first in a decade to provide an overview of banking in Brazil. It is argued that the big three federal banks have long provided essential policy alternatives and, since the liberalization of the industry in the 1990s, have realized competitive advantages over private and foreign banks.

Globalization and Sustainable Development
Globalization and Sustainable Development

Author: Martin Oyevaar

Publisher: Bloomsbury Publishing

Published: 2017-09-16

Total Pages: 384

ISBN-13: 113744536X

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This important core textbook explores the complex and dynamic nature of globalization and sustainability, analyzing the main ideas, ethical principles and processes driving the growth and development of the global economy. Including a wide range of international cases from a variety of industries, it anchors key concepts in a modern global context and provides an overall picture of what it means to be a sustainable business. Bridging international business, business ethics and sustainable development, the text enables students to place core concepts into a modern global context, and provides an extensive and engaging pedagogical framework that carries the student from a foundation level through to a more advanced analysis. This is an ideal textbook for undergraduate and postgraduate students taking modules in international business, sustainable development, the global economy or globalisation.