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

The 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 -...

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Bibliographic Details
Main Authors:	Urdapilleta, Eduardo, Stephanou, Constantinos
Format:	Policy Research Working Paper
Language:	English
Published:	2012
Subjects:	ACCOUNTING ACCOUNTING PRACTICES ARREARS ASSET MANAGEMENT ASSETS RATIOS AUCTION BALANCE SHEET BALANCE SHEETS BANK ACCOUNTS BANK HOLDING BANK HOLDING COMPANIES BANK LENDING BANK RATES BANKING INDUSTRY BANKING MARKET BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKRUPTCY LAW BARRIERS TO ENTRY BASIS POINTS BINDING CONSTRAINT BORROWER BRANCH NETWORK BRANCH NETWORKS BROKERAGE BUSINESS CYCLE CAPITAL ADEQUACY CAPITAL BASE CAPITAL MARKETS CAPITAL MARKETS DEVELOPMENT CAPITAL REQUIREMENT CAPITAL REQUIREMENTS CAPTIVE MARKET CAR LOANS CENTRAL BANK CHECKS CHIEF FINANCIAL OFFICERS CLEARINGHOUSE COLLATERAL COMMERCIAL BANKS CONSOLIDATED FINANCIAL STATEMENTS CONSUMER DURABLES CONTRACT ENFORCEMENT CORPORATE BANKING CORPORATE GOVERNANCE CORPORATE MARKET CREDIT CARDS CREDIT COOPERATIVES CREDIT DECISION CREDIT HISTORY CREDIT INFORMATION CREDIT LOSSES CREDIT MARKETS CREDIT OUTSTANDING CREDIT PROVIDERS CREDIT RATINGS CREDIT REPORTING CREDIT RISK CREDIT RISKS CREDIT SCORING CREDIT SOURCES CREDIT UNIONS CREDITOR CREDITOR RIGHTS DEBT DEBT COLLECTION DEBT LEVELS DEFAULT RATES DEMAND DEPOSITS DEPOSIT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSITS DERIVATIVES DIRECTED CREDIT DIVERSIFIED MARKET DOMESTIC CURRENCY ECONOMIC MANAGEMENT ECONOMIC RISKS ENTRY BARRIERS EQUITY MARKETS EXCHANGE COMMISSION FINANCIAL DEVELOPMENT FINANCIAL INFORMATION FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL MARKET FINANCIAL MARKETS FINANCIAL PERFORMANCE FINANCIAL RATIOS FINANCIAL SECTORS FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL STATEMENTS FINANCIAL SYSTEM FINANCIAL TRANSACTIONS FIXED ASSETS FIXED COSTS FORECLOSURE FORECLOSURE PROCEDURES FOREIGN BANKS FOREIGN CURRENCY FOREIGN CURRENCY LOANS FOREIGN EXCHANGE GOVERNMENT ACCOUNT GOVERNMENT BONDS GOVERNMENT INTERVENTIONS GOVERNMENT INVOLVEMENT GOVERNMENT POLICIES GOVERNMENT POLICY GOVERNMENT SECURITIES HOUSING HOUSING FINANCE INCOME TAX INFORMATION ASYMMETRIES INFORMATION ON BORROWERS INFORMATION TECHNOLOGY INSTITUTIONAL CAPACITY INSURANCE INSURANCE MARKETS INTEREST EXPENSE INTEREST INCOME INTEREST MARGIN INTEREST RATE INTEREST RATE RISK INTEREST RATES INTERMEDIATION SPREADS INTERNATIONAL BANK INTERNATIONAL FINANCIAL CRISIS INTERNATIONAL FINANCIAL STATISTICS INVESTING INVESTMENT BANKING INVESTMENT CLIMATE LEASED ASSETS LEGAL RIGHTS LENDING REQUIREMENTS LEVY LIABILITY LIQUIDITY LOAN LOAN LOSS PROVISIONS LOAN PRODUCT LOAN PRODUCTS LOAN RATES LOAN SPREAD LOAN SPREADS LOANS TO INDIVIDUALS LONG-TERM DEBT LONG-TERM FINANCE LONG-TERM RESOURCES MACROECONOMIC ENVIRONMENT MACROECONOMIC INSTABILITY MANDATES MARKET DEVELOPMENTS MARKET FOR LOANS MARKET INTEREST RATES MARKET PRACTICE MARKET SHARE MARKET STRUCTURE MATURITY MICRO-ENTERPRISES MICROCREDIT MIGRATION MINIMUM CAPITAL ADEQUACY RATIO NET OPERATING INCOME NEW ENTRANTS NON-PERFORMING LOANS NPL OPERATING COSTS OPERATING EXPENSES OPERATIONAL RISKS OVERHEAD COSTS OWNERSHIP STRUCTURES PAYMENT SYSTEM PAYMENT SYSTEMS PENSION PENSION FUNDS PERSONAL LOANS PRIVATE BANK PRIVATE BANKS PRIVATE CREDIT PRIVATE CREDIT BUREAUS PROBABILITY OF DEFAULT PRODUCTIVITY PROFITABILITY PROFITABILITY MEASURES PUBLIC BANKS PUBLIC POLICY RATE OF RETURN RATES OF RETURN REPOS RESERVE RESERVE REQUIREMENTS RETAIL BANKING RETURN RETURN ON ASSETS RETURNS RISK MANAGEMENT RISK WEIGHTED ASSETS RURAL CREDIT RURAL FINANCE SAVINGS SAVINGS ACCOUNTS SAVINGS DEPOSITS SECURITIES SETTLEMENT SHORT MATURITIES SMALL BUSINESS SMALL BUSINESSES SOLVENCY STOCK EXCHANGE SUBORDINATED DEBT TAX TAXATION TIME DEPOSITS TRADING TRANSACTION TRANSPARENCY TREASURY TREASURY LINE VALUATIONS VARIABLE COSTS
Online Access:	http://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20090107083307 http://hdl.handle.net/10986/4007

Internet

http://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20090107083307
http://hdl.handle.net/10986/4007

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

Internet

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