Publication:
Financial Structure and Bank Profitability

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dc.contributor.authorHuizinga, Harry
dc.contributor.authorDemirgüç-Kunt, Aslı
dc.date.accessioned2015-01-30T15:26:41Z
dc.date.available2015-01-30T15:26:41Z
dc.date.issued2000-08
dc.description.abstractCountries differ in the extent to which their financial systems are bank-based or market-based. The financial systems of Germany and Japan, for example, are considered bank-based because banks play a leading role in mobilizing savings, allocating capital, overseeing investment decisions of corporate managers, and providing risk management vehicles. The systems of the United States, and the United Kingdom are considered more market-based. Using bank-level data for a large number of industrial and developing countries, the authors present evidence about the impact of financial development, and structure on bank performance. They measure the relative importance of bank or market finance by the relative size of stock aggregates, by relative trading or transaction volumes, and by indicators of relative efficiency. They show that in developing countries, both banks and stock markets are less developed, but financial systems tend to be more bank-based. The richer the country, the more active are all financial intermediaries. The greater the development of a country's banks, the tougher is the competition, the greater is the efficiency, and the lower are the bank margins, and profits. The more under-developed the stock market, the greater are the bank profits. But financial structure per se does not have a significant, independent influence on bank margins, and profits.en
dc.identifier.doi10.1596/1813-9450-2430
dc.identifier.urihttps://hdl.handle.net/10986/21368
dc.language.isoen_US
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper;No. 2430
dc.rightsCC BY 3.0 IGO
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo
dc.subjectaccounting
dc.subjectassets
dc.subjectassets of deposit money
dc.subjectassets of deposit money banks
dc.subjectbalance sheet
dc.subjectbalance sheets
dc.subjectbank assets
dc.subjectbank lending
dc.subjectbank performance
dc.subjectbank profits
dc.subjectbanking sector
dc.subjectbanking sector development
dc.subjectbanking system
dc.subjectbankruptcy
dc.subjectbanks
dc.subjectbook value
dc.subjectborrowing
dc.subjectcapital adequacy
dc.subjectcapitalization
dc.subjectcentral bank
dc.subjectcentral bank assets
dc.subjectcommercial bank
dc.subjectcontract enforcement
dc.subjectcorporate finance
dc.subjectcorporate managers
dc.subjectcountry data
dc.subjectcredit risk
dc.subjectcreditor rights
dc.subjectdeposit interest
dc.subjectdeposit rates
dc.subjectdeposits
dc.subjectdeveloped countries
dc.subjectearning assets
dc.subjectearning power
dc.subjecteconomic development
dc.subjecteconomic growth
dc.subjecteconomists
dc.subjectempirical evidence
dc.subjectfinancial dependence
dc.subjectfinancial development
dc.subjectfinancial intermediaries
dc.subjectfinancial regulation
dc.subjectfinancial sector
dc.subjectfinancial structure
dc.subjectfinancial structures
dc.subjectfinancial system
dc.subjectfinancial systems
dc.subjectforeign banks
dc.subjectGDP
dc.subjectGDP per capita
dc.subjecthigh interest rates
dc.subjectincome
dc.subjectincome groups
dc.subjectincome statements
dc.subjectinflation
dc.subjectinterest expense
dc.subjectinterest income
dc.subjectinterest margin
dc.subjectinterest rate
dc.subjectinterest rates
dc.subjectinternational banking
dc.subjectlending rates
dc.subjectloan defaults
dc.subjectlow interest
dc.subjectmarket capitalization
dc.subjectmonetary economics
dc.subjectnet interest margin
dc.subjectoperating costs
dc.subjectoverhead costs
dc.subjectpolitical economy
dc.subjectprivate sector
dc.subjectprofitability
dc.subjectregression analysis
dc.subjectrisk management
dc.subjectsavings
dc.subjectstock market
dc.subjectstock markets
dc.subjecttaxation
dc.subjectwages
dc.subjectfinancial systems
dc.subjectbank ratings
dc.subjectprofitability
dc.subjectbanking regulation
dc.subjectmarket-based instruments
dc.subjectsavings behavior
dc.subjectcapital assets
dc.subjectinvestments
dc.subjectrisk management
dc.subjectindustrialized societies
dc.subjectdeveloping countries
dc.subjectfinancial development
dc.subjectperformance indicators
dc.subjectstock markets
dc.subjecttrading arrangements
dc.subjecttransactions
dc.subjectcompetition policy
dc.titleFinancial Structure and Bank Profitabilityen
dspace.entity.typePublication
okr.crossref.titleFinancial Structure and Bank Profitability
okr.date.disclosure2000-08-31
okr.date.doiregistration2025-04-10T10:28:58.117332Z
okr.doctypePublications & Research
okr.doctypePublications & Research::Policy Research Working Paper
okr.globalpracticeFinance and Markets
okr.guid364151468749353823
okr.identifier.doi10.1596/1813-9450-2430
okr.identifier.reportWPS2430
okr.language.supporteden
okr.region.countryGermany
okr.region.countryJapan
okr.region.countryUnited Kingdom
okr.region.countryUNITED STATES
okr.sectorFinance
okr.topicConflict and Development::International Terrorism & Counterterrorism
okr.topicEnvironment::Environmental Economics & Policies
okr.topicFinance and Financial Sector Development
okr.topicFinance and Financial Sector Development::Banks & Banking Reform
okr.topicFinance and Financial Sector Development::Financial Intermediation
okr.topicFinance and Financial Sector Development::Payment Systems & Infrastructure
okr.topicMacroeconomics and Economic Growth::Economic Theory & Research
okr.topicMacroeconomics and Economic Growth::Financial Economics
okr.unitFinance, Development Research Group
relation.isAuthorOfPublication234a20c0-893c-561a-8c90-6f5be5be5b9b
relation.isAuthorOfPublication.latestForDiscovery234a20c0-893c-561a-8c90-6f5be5be5b9b
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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