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

  • Urdapilleta, Eduardo

    ()

    (The World Bank)

  • Stephanou, Constantinos

    ()

    (The World Bank)

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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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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  1. Beverly J. Hirtle & Kevin J. Stiroh, 2005. "The return to retail and the performance of U.S. banks," Staff Reports 233, Federal Reserve Bank of New York.
  2. Márcio I. Nakane & Leonardo S. Alencar & Fabio Kanczuk, 2006. "Demand for Bank Services and Market Power in Brazilian Banking," Working Papers Series 107, Central Bank of Brazil, Research Department.
  3. World Bank, 2005. "Lithuania : Investment Climate Assessment," World Bank Other Operational Studies 8568, The World Bank.
  4. Timothy Clark & Astrid Dick & Beverly Hirtle & Kevin Stiroh & Robard Williams, 2007. "The role of retail banking in the U.S. banking industry: risk, return, and industry structure," Economic Policy Review, Federal Reserve Bank of New York, issue Dec, pages 39-56.
  5. Claessens, Stijn & Laeven, Luc, 2003. "What drives bank competition? some international evidence," Policy Research Working Paper Series 3113, The World Bank.
  6. World Bank, 2006. "Brazil : Interest Rates and Intermediation Spreads," World Bank Other Operational Studies 21461, The World Bank.
  7. World Bank, 2005. "Ecuador : Investment Climate Assessment," World Bank Other Operational Studies 8571, The World Bank.
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