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Determinants of bank interest margins in Russia: Does bank ownership matter?

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  • Fungáčová, Zuzana
  • Poghosyan, Tigran

Abstract

This paper analyzes interest margin determinants in the Russian banking sector with a particular emphasis on the bank ownership structure. Using unique bank-level data covering Russia's entire banking sector for the 1999–2007 period, we find that the impact of a number of commonly used determinants such as market structure, credit risk, liquidity risk and size of operations differs across state-controlled, domestic-private and foreign-owned banks. At the same time, the influence of operational costs and risk aversion is homogeneous across ownership groups. The results overall suggest that the form of bank ownership needs to be considered when analyzing interest margin determinants.

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Bibliographic Info

Article provided by Elsevier in its journal Economic Systems.

Volume (Year): 35 (2011)
Issue (Month): 4 ()
Pages: 481-495

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Handle: RePEc:eee:ecosys:v:35:y:2011:i:4:p:481-495

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Keywords: Bank interest margins; Financial intermediation; Russia;

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Cited by:
  1. Fungachova, Z. & Solanko, L., 2010. "Has Banks’ Financial Intermediation Improved in Russia?," Journal of the New Economic Association, New Economic Association, issue 8, pages 101-116.
  2. Tigran Poghosyan, 2012. "Financial Intermediation Costs in Low-Income Countries," IMF Working Papers 12/140, International Monetary Fund.
  3. Hainz, Christa & Horváth, Roman & Hlaváček, Michal, 2014. "The interest rate spreads in the Czech Republic: Different loans, different determinants?," Economic Systems, Elsevier, vol. 38(1), pages 43-54.
  4. Vernikov, Andrei, 2010. "Direct and indirect state ownership on banks in Russia," MPRA Paper 21373, University Library of Munich, Germany.
  5. Poghosyan, Tigran, 2013. "Financial intermediation costs in low income countries: The role of regulatory, institutional, and macroeconomic factors," Economic Systems, Elsevier, vol. 37(1), pages 92-110.
  6. Vernikov, Andrei, 2012. "«Национальные Чемпионы» В Структуре Российского Рынка Банковских Услуг
    [National champions and the competitive structure of the Russia
    ," MPRA Paper 40236, University Library of Munich, Germany.
  7. Andrei Vernikov, 2011. "Government Banking in Russia: Magnitude and New Features," IWH Discussion Papers 13, Halle Institute for Economic Research.
  8. Irwan Trinugroho & Agusman Agusman & Amine Tarazi, 2012. "Why Have Bank Interest Margins Been so High in Indonesia Since the 1997/1998 Financial Crisis?," Working Papers hal-00916531, HAL.

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