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

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Author Info

  • Urdapilleta, Eduardo

    ()
    (The World Bank)

  • Stephanou, Constantinos

    ()
    (The World Bank)

Abstract

he 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.

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File URL: http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2009/01/07/000158349_20090107083307/Rendered/PDF/WPS4809.pdf
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Bibliographic Info

Paper provided by The World Bank in its series Policy Research Working Paper Series with number 4809.

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Length: 41 pages
Date of creation: 01 Jan 2009
Date of revision:
Handle: RePEc:wbk:wbrwps:4809

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Related research

Keywords: Brazil; banking; competition; industry structure; performance;

This paper has been announced in the following NEP Reports:

References

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  1. World Bank, 2005. "Ecuador : Investment Climate Assessment," World Bank Other Operational Studies 8571, The World Bank.
  2. World Bank, 2005. "Lithuania : Investment Climate Assessment," World Bank Other Operational Studies 8568, The World Bank.
  3. Claessens, Stijn & Laeven, Luc, 2004. "What Drives Bank Competition? Some International Evidence," Journal of Money, Credit and Banking, Blackwell Publishing, Blackwell Publishing, vol. 36(3), pages 563-83, June.
  4. Márcio I. Nakane & Leonardo S. Alencar & Fabio Kanczuk, 2006. "Demand for Bank Services and Market Power in Brazilian Banking," Working Papers Series, Central Bank of Brazil, Research Department 107, Central Bank of Brazil, Research Department.
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Cited by:
  1. Cihak, Martin & Demirguc-Kunt, Asli, 2013. "Rethinking the state's role in finance," Policy Research Working Paper Series 6400, The World Bank.

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