Brazil : The Industry Structure of Banking Services

Understanding the industry structure of banking services in Brazil is an important task both for the financial community at large and for country specialists. The Brazilian financial system is the largest and most sophisticated in Latin America. Th...

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Main Author:	World Bank
Format:	Other Financial Sector Study
Language:	English en_US
Published:	Washington, DC 2012
Subjects:	ACCESS TO CREDIT ACCOUNTING AFFORDABLE ACCESS ASSET MANAGEMENT ASSET QUALITY ASSET RATIOS ASSETS RATIO ASSETS RATIOS AUCTION BALANCE SHEET BANK ACCOUNTS BANK ASSETS BANK EQUITY BANK HOLDING BANK HOLDING COMPANIES BANK INTEREST RATE BANK LENDING BANK LOANS BANKING ASSETS BANKING INDUSTRY BANKING INSTITUTIONS BANKING MARKET BANKING MARKETS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKS BARRIERS TO ENTRY BINDING CONSTRAINT BORROWING BRANCH DENSITY BRANCH NETWORK BRANCH NETWORKS BROKERAGE BUSINESS CYCLE CAPITAL ADEQUACY CAPITAL MARKETS CAPITAL REQUIREMENT CAPITAL REQUIREMENTS CAPITALIZATION CAPTIVE MARKET CAR LOANS CASH MANAGEMENT CENTRAL BANK CHECKS CHIEF FINANCIAL OFFICERS CLEARINGHOUSES COLLATERAL MARKET SHARE MARKET STRUCTURE MATURITIES MATURITY MICRO-ENTERPRISES MINIMUM CAPITAL REQUIREMENT MUNICIPALITIES NEW ENTRANTS NON-PERFORMING LOANS NPL OFFSHORE BANKS OLIGOPOLY OPERATING COSTS OPERATING EXPENSES OPERATING INCOME OPERATIONAL COSTS OPERATIONAL RISKS OVERHEAD COSTS OWNERSHIP STRUCTURES PAYMENT SYSTEM PAYMENT SYSTEMS PERSONAL LOANS PORTFOLIO PRIVATE BANK PRIVATE BANKS PRIVATE CREDIT PRIVATE CREDIT BUREAUS PRODUCTIVITY PROFITABILITY PROFITABILITY MEASURES PROMISSORY NOTES PUBLIC BANK PUBLIC BANKS PUBLIC POLICY REGULATORY FRAMEWORK REPOS RESERVE RESERVE REQUIREMENTS RETAIL BANKING RETAIL BUSINESS RETURN RETURN ON ASSETS RETURNS RISK MANAGEMENT SAVINGS SAVINGS ACCOUNTS SECURITIES SETTLEMENT SHORT MATURITIES SMALL BUSINESS SOLVENCY STOCK EXCHANGE STOCK MARKET STOCK MARKET CAPITALIZATION STOCKS TAX TAXATION TERMS OF CREDIT TIME DEPOSITS TRADE FINANCE TRADING TRANSACTION TRANSACTION COSTS TREASURY TREASURY LINE UNIVERSAL BANK UNIVERSAL BANKING VALUATIONS VARIABLE COSTS WORKING CAPITAL
Online Access:	http://documents.worldbank.org/curated/en/2007/06/8945484/brazil-industry-structure-banking-services http://hdl.handle.net/10986/7668

id	okr-10986-7668
recordtype	oai_dc
spelling	okr-10986-76682021-04-23T14:02:38Z Brazil : The Industry Structure of Banking Services World Bank ACCESS TO CREDIT ACCOUNTING AFFORDABLE ACCESS ASSET MANAGEMENT ASSET QUALITY ASSET RATIOS ASSETS RATIO ASSETS RATIOS AUCTION BALANCE SHEET BANK ACCOUNTS BANK ASSETS BANK EQUITY BANK HOLDING BANK HOLDING COMPANIES BANK INTEREST RATE BANK LENDING BANK LOANS BANKING ASSETS BANKING INDUSTRY BANKING INSTITUTIONS BANKING MARKET BANKING MARKETS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKS BARRIERS TO ENTRY BINDING CONSTRAINT BORROWING BRANCH DENSITY BRANCH NETWORK BRANCH NETWORKS BROKERAGE BUSINESS CYCLE CAPITAL ADEQUACY CAPITAL MARKETS CAPITAL REQUIREMENT CAPITAL REQUIREMENTS CAPITALIZATION CAPTIVE MARKET CAR LOANS CASH MANAGEMENT CENTRAL BANK CHECKS CHIEF FINANCIAL OFFICERS CLEARINGHOUSES COLLATERAL MARKET SHARE MARKET STRUCTURE MATURITIES MATURITY MICRO-ENTERPRISES MINIMUM CAPITAL REQUIREMENT MUNICIPALITIES NEW ENTRANTS NON-PERFORMING LOANS NPL OFFSHORE BANKS OLIGOPOLY OPERATING COSTS OPERATING EXPENSES OPERATING INCOME OPERATIONAL COSTS OPERATIONAL RISKS OVERHEAD COSTS OWNERSHIP STRUCTURES PAYMENT SYSTEM PAYMENT SYSTEMS PERSONAL LOANS PORTFOLIO PRIVATE BANK PRIVATE BANKS PRIVATE CREDIT PRIVATE CREDIT BUREAUS PRODUCTIVITY PROFITABILITY PROFITABILITY MEASURES PROMISSORY NOTES PUBLIC BANK PUBLIC BANKS PUBLIC POLICY REGULATORY FRAMEWORK REPOS RESERVE RESERVE REQUIREMENTS RETAIL BANKING RETAIL BUSINESS RETURN RETURN ON ASSETS RETURNS RISK MANAGEMENT SAVINGS SAVINGS ACCOUNTS SECURITIES SETTLEMENT SHORT MATURITIES SMALL BUSINESS SOLVENCY STOCK EXCHANGE STOCK MARKET STOCK MARKET CAPITALIZATION STOCKS TAX TAXATION TERMS OF CREDIT TIME DEPOSITS TRADE FINANCE TRADING TRANSACTION TRANSACTION COSTS TREASURY TREASURY LINE UNIVERSAL BANK UNIVERSAL BANKING VALUATIONS VARIABLE COSTS WORKING CAPITAL Understanding the industry structure of banking services in Brazil is an important task both for the financial community at large and for country specialists. The Brazilian financial system is the largest and most sophisticated in Latin America. This study is organized into five sections after the introduction, in line with the main analytical building blocks, and complemented by appendices that describe methodological aspects in more detail. Section 2 presents some stylized facts on the Brazilian banking system and compares it to a peer group of countries. Section 3 describes and presents the results of the industrial organization perspective (indirect approach). Section 4 presents the methodology and results -- including sensitivity analysis -- of the direct approach. Section 5 identifies and discusses the characteristics and main drivers of revenues, costs and risks by market segment, while Section 6 concludes and presents policy implications. 2012-06-11T17:31:10Z 2012-06-11T17:31:10Z 2007-06-26 http://documents.worldbank.org/curated/en/2007/06/8945484/brazil-industry-structure-banking-services http://hdl.handle.net/10986/7668 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank Washington, DC Economic & Sector Work :: Other Financial Sector Study Economic & Sector Work Latin America & Caribbean Brazil
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English en_US
topic	ACCESS TO CREDIT ACCOUNTING AFFORDABLE ACCESS ASSET MANAGEMENT ASSET QUALITY ASSET RATIOS ASSETS RATIO ASSETS RATIOS AUCTION BALANCE SHEET BANK ACCOUNTS BANK ASSETS BANK EQUITY BANK HOLDING BANK HOLDING COMPANIES BANK INTEREST RATE BANK LENDING BANK LOANS BANKING ASSETS BANKING INDUSTRY BANKING INSTITUTIONS BANKING MARKET BANKING MARKETS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKS BARRIERS TO ENTRY BINDING CONSTRAINT BORROWING BRANCH DENSITY BRANCH NETWORK BRANCH NETWORKS BROKERAGE BUSINESS CYCLE CAPITAL ADEQUACY CAPITAL MARKETS CAPITAL REQUIREMENT CAPITAL REQUIREMENTS CAPITALIZATION CAPTIVE MARKET CAR LOANS CASH MANAGEMENT CENTRAL BANK CHECKS CHIEF FINANCIAL OFFICERS CLEARINGHOUSES COLLATERAL MARKET SHARE MARKET STRUCTURE MATURITIES MATURITY MICRO-ENTERPRISES MINIMUM CAPITAL REQUIREMENT MUNICIPALITIES NEW ENTRANTS NON-PERFORMING LOANS NPL OFFSHORE BANKS OLIGOPOLY OPERATING COSTS OPERATING EXPENSES OPERATING INCOME OPERATIONAL COSTS OPERATIONAL RISKS OVERHEAD COSTS OWNERSHIP STRUCTURES PAYMENT SYSTEM PAYMENT SYSTEMS PERSONAL LOANS PORTFOLIO PRIVATE BANK PRIVATE BANKS PRIVATE CREDIT PRIVATE CREDIT BUREAUS PRODUCTIVITY PROFITABILITY PROFITABILITY MEASURES PROMISSORY NOTES PUBLIC BANK PUBLIC BANKS PUBLIC POLICY REGULATORY FRAMEWORK REPOS RESERVE RESERVE REQUIREMENTS RETAIL BANKING RETAIL BUSINESS RETURN RETURN ON ASSETS RETURNS RISK MANAGEMENT SAVINGS SAVINGS ACCOUNTS SECURITIES SETTLEMENT SHORT MATURITIES SMALL BUSINESS SOLVENCY STOCK EXCHANGE STOCK MARKET STOCK MARKET CAPITALIZATION STOCKS TAX TAXATION TERMS OF CREDIT TIME DEPOSITS TRADE FINANCE TRADING TRANSACTION TRANSACTION COSTS TREASURY TREASURY LINE UNIVERSAL BANK UNIVERSAL BANKING VALUATIONS VARIABLE COSTS WORKING CAPITAL
spellingShingle	ACCESS TO CREDIT ACCOUNTING AFFORDABLE ACCESS ASSET MANAGEMENT ASSET QUALITY ASSET RATIOS ASSETS RATIO ASSETS RATIOS AUCTION BALANCE SHEET BANK ACCOUNTS BANK ASSETS BANK EQUITY BANK HOLDING BANK HOLDING COMPANIES BANK INTEREST RATE BANK LENDING BANK LOANS BANKING ASSETS BANKING INDUSTRY BANKING INSTITUTIONS BANKING MARKET BANKING MARKETS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKS BARRIERS TO ENTRY BINDING CONSTRAINT BORROWING BRANCH DENSITY BRANCH NETWORK BRANCH NETWORKS BROKERAGE BUSINESS CYCLE CAPITAL ADEQUACY CAPITAL MARKETS CAPITAL REQUIREMENT CAPITAL REQUIREMENTS CAPITALIZATION CAPTIVE MARKET CAR LOANS CASH MANAGEMENT CENTRAL BANK CHECKS CHIEF FINANCIAL OFFICERS CLEARINGHOUSES COLLATERAL MARKET SHARE MARKET STRUCTURE MATURITIES MATURITY MICRO-ENTERPRISES MINIMUM CAPITAL REQUIREMENT MUNICIPALITIES NEW ENTRANTS NON-PERFORMING LOANS NPL OFFSHORE BANKS OLIGOPOLY OPERATING COSTS OPERATING EXPENSES OPERATING INCOME OPERATIONAL COSTS OPERATIONAL RISKS OVERHEAD COSTS OWNERSHIP STRUCTURES PAYMENT SYSTEM PAYMENT SYSTEMS PERSONAL LOANS PORTFOLIO PRIVATE BANK PRIVATE BANKS PRIVATE CREDIT PRIVATE CREDIT BUREAUS PRODUCTIVITY PROFITABILITY PROFITABILITY MEASURES PROMISSORY NOTES PUBLIC BANK PUBLIC BANKS PUBLIC POLICY REGULATORY FRAMEWORK REPOS RESERVE RESERVE REQUIREMENTS RETAIL BANKING RETAIL BUSINESS RETURN RETURN ON ASSETS RETURNS RISK MANAGEMENT SAVINGS SAVINGS ACCOUNTS SECURITIES SETTLEMENT SHORT MATURITIES SMALL BUSINESS SOLVENCY STOCK EXCHANGE STOCK MARKET STOCK MARKET CAPITALIZATION STOCKS TAX TAXATION TERMS OF CREDIT TIME DEPOSITS TRADE FINANCE TRADING TRANSACTION TRANSACTION COSTS TREASURY TREASURY LINE UNIVERSAL BANK UNIVERSAL BANKING VALUATIONS VARIABLE COSTS WORKING CAPITAL World Bank Brazil : The Industry Structure of Banking Services
geographic_facet	Latin America & Caribbean Brazil
description	Understanding the industry structure of banking services in Brazil is an important task both for the financial community at large and for country specialists. The Brazilian financial system is the largest and most sophisticated in Latin America. This study is organized into five sections after the introduction, in line with the main analytical building blocks, and complemented by appendices that describe methodological aspects in more detail. Section 2 presents some stylized facts on the Brazilian banking system and compares it to a peer group of countries. Section 3 describes and presents the results of the industrial organization perspective (indirect approach). Section 4 presents the methodology and results -- including sensitivity analysis -- of the direct approach. Section 5 identifies and discusses the characteristics and main drivers of revenues, costs and risks by market segment, while Section 6 concludes and presents policy implications.
format	Economic & Sector Work :: Other Financial Sector Study
author	World Bank
author_facet	World Bank
author_sort	World Bank
title	Brazil : The Industry Structure of Banking Services
title_short	Brazil : The Industry Structure of Banking Services
title_full	Brazil : The Industry Structure of Banking Services
title_fullStr	Brazil : The Industry Structure of Banking Services
title_full_unstemmed	Brazil : The Industry Structure of Banking Services
title_sort	brazil : the industry structure of banking services
publisher	Washington, DC
publishDate	2012
url	http://documents.worldbank.org/curated/en/2007/06/8945484/brazil-industry-structure-banking-services http://hdl.handle.net/10986/7668
_version_	1764404356314038272

Brazil : The Industry Structure of Banking Services

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