Publication:
Banking in Brazil : Structure, Performance, Drivers, and Policy Implications

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dc.contributor.authorUrdapilleta, Eduardo
dc.contributor.authorStephanou, Constantinos
dc.date.accessioned2012-03-19T19:08:10Z
dc.date.available2012-03-19T19:08:10Z
dc.date.issued2009-01-01
dc.description.abstractThe objective of this paper is to analyze the industry structure of banking services in Brazil in order to shed light on financial performance and its drivers at a disaggregated level. The study illustrates how differences across market segments - which tend to be averaged out in aggregate analysis - need to be taken into account when analyzing performance and designing public policy for the banking sector. In particular, retail banking is found to be less sensitive to price competition and to exhibit considerably higher returns than corporate banking. The authors identify and discuss the factors underlying revenues, costs, and risks in each market segment, and conclude with policy implications.en
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20090107083307
dc.identifier.doi10.1596/1813-9450-4809
dc.identifier.urihttps://hdl.handle.net/10986/4007
dc.languageEnglish
dc.relation.ispartofseriesPolicy Research working paper ; no. WPS 4809
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCOUNTING
dc.subjectACCOUNTING PRACTICES
dc.subjectARREARS
dc.subjectASSET MANAGEMENT
dc.subjectASSETS RATIOS
dc.subjectAUCTION
dc.subjectBALANCE SHEET
dc.subjectBALANCE SHEETS
dc.subjectBANK ACCOUNTS
dc.subjectBANK HOLDING
dc.subjectBANK HOLDING COMPANIES
dc.subjectBANK LENDING
dc.subjectBANK RATES
dc.subjectBANKING INDUSTRY
dc.subjectBANKING MARKET
dc.subjectBANKING SECTOR
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKRUPTCY
dc.subjectBANKRUPTCY LAW
dc.subjectBARRIERS TO ENTRY
dc.subjectBASIS POINTS
dc.subjectBINDING CONSTRAINT
dc.subjectBORROWER
dc.subjectBRANCH NETWORK
dc.subjectBRANCH NETWORKS
dc.subjectBROKERAGE
dc.subjectBUSINESS CYCLE
dc.subjectCAPITAL ADEQUACY
dc.subjectCAPITAL BASE
dc.subjectCAPITAL MARKETS
dc.subjectCAPITAL MARKETS DEVELOPMENT
dc.subjectCAPITAL REQUIREMENT
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCAPTIVE MARKET
dc.subjectCAR LOANS
dc.subjectCENTRAL BANK
dc.subjectCHECKS
dc.subjectCHIEF FINANCIAL OFFICERS
dc.subjectCLEARINGHOUSE
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSOLIDATED FINANCIAL STATEMENTS
dc.subjectCONSUMER DURABLES
dc.subjectCONTRACT ENFORCEMENT
dc.subjectCORPORATE BANKING
dc.subjectCORPORATE GOVERNANCE
dc.subjectCORPORATE MARKET
dc.subjectCREDIT CARDS
dc.subjectCREDIT COOPERATIVES
dc.subjectCREDIT DECISION
dc.subjectCREDIT HISTORY
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT LOSSES
dc.subjectCREDIT MARKETS
dc.subjectCREDIT OUTSTANDING
dc.subjectCREDIT PROVIDERS
dc.subjectCREDIT RATINGS
dc.subjectCREDIT REPORTING
dc.subjectCREDIT RISK
dc.subjectCREDIT RISKS
dc.subjectCREDIT SCORING
dc.subjectCREDIT SOURCES
dc.subjectCREDIT UNIONS
dc.subjectCREDITOR
dc.subjectCREDITOR RIGHTS
dc.subjectDEBT
dc.subjectDEBT COLLECTION
dc.subjectDEBT LEVELS
dc.subjectDEFAULT RATES
dc.subjectDEMAND DEPOSITS
dc.subjectDEPOSIT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITS
dc.subjectDERIVATIVES
dc.subjectDIRECTED CREDIT
dc.subjectDIVERSIFIED MARKET
dc.subjectDOMESTIC CURRENCY
dc.subjectECONOMIC MANAGEMENT
dc.subjectECONOMIC RISKS
dc.subjectENTRY BARRIERS
dc.subjectEQUITY MARKETS
dc.subjectEXCHANGE COMMISSION
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INFORMATION
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL PERFORMANCE
dc.subjectFINANCIAL RATIOS
dc.subjectFINANCIAL SECTORS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL STABILITY
dc.subjectFINANCIAL STATEMENTS
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL TRANSACTIONS
dc.subjectFIXED ASSETS
dc.subjectFIXED COSTS
dc.subjectFORECLOSURE
dc.subjectFORECLOSURE PROCEDURES
dc.subjectFOREIGN BANKS
dc.subjectFOREIGN CURRENCY
dc.subjectFOREIGN CURRENCY LOANS
dc.subjectFOREIGN EXCHANGE
dc.subjectGOVERNMENT ACCOUNT
dc.subjectGOVERNMENT BONDS
dc.subjectGOVERNMENT INTERVENTIONS
dc.subjectGOVERNMENT INVOLVEMENT
dc.subjectGOVERNMENT POLICIES
dc.subjectGOVERNMENT POLICY
dc.subjectGOVERNMENT SECURITIES
dc.subjectHOUSING
dc.subjectHOUSING FINANCE
dc.subjectINCOME TAX
dc.subjectINFORMATION ASYMMETRIES
dc.subjectINFORMATION ON BORROWERS
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINSTITUTIONAL CAPACITY
dc.subjectINSURANCE
dc.subjectINSURANCE MARKETS
dc.subjectINTEREST EXPENSE
dc.subjectINTEREST INCOME
dc.subjectINTEREST MARGIN
dc.subjectINTEREST RATE
dc.subjectINTEREST RATE RISK
dc.subjectINTEREST RATES
dc.subjectINTERMEDIATION SPREADS
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL FINANCIAL CRISIS
dc.subjectINTERNATIONAL FINANCIAL STATISTICS
dc.subjectINVESTING
dc.subjectINVESTMENT BANKING
dc.subjectINVESTMENT CLIMATE
dc.subjectLEASED ASSETS
dc.subjectLEGAL RIGHTS
dc.subjectLENDING REQUIREMENTS
dc.subjectLEVY
dc.subjectLIABILITY
dc.subjectLIQUIDITY
dc.subjectLOAN
dc.subjectLOAN LOSS PROVISIONS
dc.subjectLOAN PRODUCT
dc.subjectLOAN PRODUCTS
dc.subjectLOAN RATES
dc.subjectLOAN SPREAD
dc.subjectLOAN SPREADS
dc.subjectLOANS TO INDIVIDUALS
dc.subjectLONG-TERM DEBT
dc.subjectLONG-TERM FINANCE
dc.subjectLONG-TERM RESOURCES
dc.subjectMACROECONOMIC ENVIRONMENT
dc.subjectMACROECONOMIC INSTABILITY
dc.subjectMANDATES
dc.subjectMARKET DEVELOPMENTS
dc.subjectMARKET FOR LOANS
dc.subjectMARKET INTEREST RATES
dc.subjectMARKET PRACTICE
dc.subjectMARKET SHARE
dc.subjectMARKET STRUCTURE
dc.subjectMATURITY
dc.subjectMICRO-ENTERPRISES
dc.subjectMICROCREDIT
dc.subjectMIGRATION
dc.subjectMINIMUM CAPITAL ADEQUACY RATIO
dc.subjectNET OPERATING INCOME
dc.subjectNEW ENTRANTS
dc.subjectNON-PERFORMING LOANS
dc.subjectNPL
dc.subjectOPERATING COSTS
dc.subjectOPERATING EXPENSES
dc.subjectOPERATIONAL RISKS
dc.subjectOVERHEAD COSTS
dc.subjectOWNERSHIP STRUCTURES
dc.subjectPAYMENT SYSTEM
dc.subjectPAYMENT SYSTEMS
dc.subjectPENSION
dc.subjectPENSION FUNDS
dc.subjectPERSONAL LOANS
dc.subjectPRIVATE BANK
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE CREDIT BUREAUS
dc.subjectPROBABILITY OF DEFAULT
dc.subjectPRODUCTIVITY
dc.subjectPROFITABILITY
dc.subjectPROFITABILITY MEASURES
dc.subjectPUBLIC BANKS
dc.subjectPUBLIC POLICY
dc.subjectRATE OF RETURN
dc.subjectRATES OF RETURN
dc.subjectREPOS
dc.subjectRESERVE
dc.subjectRESERVE REQUIREMENTS
dc.subjectRETAIL BANKING
dc.subjectRETURN
dc.subjectRETURN ON ASSETS
dc.subjectRETURNS
dc.subjectRISK MANAGEMENT
dc.subjectRISK WEIGHTED ASSETS
dc.subjectRURAL CREDIT
dc.subjectRURAL FINANCE
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS DEPOSITS
dc.subjectSECURITIES
dc.subjectSETTLEMENT
dc.subjectSHORT MATURITIES
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESSES
dc.subjectSOLVENCY
dc.subjectSTOCK EXCHANGE
dc.subjectSUBORDINATED DEBT
dc.subjectTAX
dc.subjectTAXATION
dc.subjectTIME DEPOSITS
dc.subjectTRADING
dc.subjectTRANSACTION
dc.subjectTRANSPARENCY
dc.subjectTREASURY
dc.subjectTREASURY LINE
dc.subjectVALUATIONS
dc.subjectVARIABLE COSTS
dc.titleBanking in Brazil : Structure, Performance, Drivers, and Policy Implicationsen
dspace.entity.typePublication
okr.crossref.titleBanking In Brazil: Structure, Performance, Drivers, And Policy Implications
okr.date.doiregistration2025-04-10T12:21:55.858410Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20090107083307
okr.guid550701468225310389
okr.identifier.doi10.1596/1813-9450-4809
okr.identifier.externaldocumentum000158349_20090107083307
okr.identifier.internaldocumentum10152776
okr.identifier.reportWPS4809
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2009/01/07/000158349_20090107083307/Rendered/PDF/WPS4809.pdfen
okr.region.administrativeLatin America & Caribbean
okr.region.administrativeLatin America & Caribbean
okr.region.countryBrazil
okr.region.geographicalSouth America
okr.region.geographicalAmerica
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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