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| Author | : Ilko Naaborg |
| Publisher | : Eburon Uitgeverij B.V. |
| Total Pages | : 202 |
| Release | : 2007 |
| Genre | : Banks and banking, Foreign |
| ISBN | : 9059721705 |
| Author | : Nihal Bayraktar |
| Publisher | : |
| Total Pages | : |
| Release | : 2013 |
| Genre | : |
| ISBN | : |
The openness or internationalization of financial services is a complex issue because it is closely related to structural reforms in the domestic financial sector with some perceived implications for macroeconomic stability. The authors investigate the impact of foreign bank entry on the performance of domestic banks and how this relationship is affected by the sequence of financial liberalization. Their data set is constructed from the BANKSCOPE database, including 30 industrial and developing countries, and covering the period from 1995 to 2002. The authors apply panel data regressions by pooling all countries together, and by grouping countries according to the sequence of their financial liberalization. One observation based on descriptive analysis is that the degree of openness to foreign bank entry varies a great deal, which is not correlated with average income levels or with GDP growth. Second, the sequence of financial liberalization matters for the performance of the domestic banking sector: After controlling for macroeconomic variables and grouping countries by their sequence of liberalization, foreign bank entry has significantly improved domestic bank competitiveness in countries that liberalized their stock market first. In these countries, both profit and cost indicators are negatively related to the share of foreign banks. Countries that liberalized their capital account first seem to have benefited less from foreign bank entry compared with the other two sets of countries.
| Author | : Ms.Emilia Magdalena Jurzyk |
| Publisher | : International Monetary Fund |
| Total Pages | : 45 |
| Release | : 2009-12-01 |
| Genre | : Business & Economics |
| ISBN | : 1451874154 |
We employ a unique data set containing bank-specific information to explore how foreign bank entry determines credit allocation in emerging markets. We investigate the impact of the mode of foreign entry (greenfield or takeover) on banks' portfolio allocation to borrowers with different degrees of informational transparency, as well as by maturities and currencies. The impact of foreign entry on credit allocation may stem from the superior performance of foreign entrants ("performance hypothesis"), or reflect borrower informational capture ("portfolio composition hypothesis"). Our results are broadly in line with the portfolio composition hypothesis, showing that borrower informational capture determines bank credit allocation.m
| Author | : |
| Publisher | : World Bank Publications |
| Total Pages | : 46 |
| Release | : 2001 |
| Genre | : Bank assets |
| ISBN | : |
Foreign banks are playing an increasingly large role in many developing countries, holding more than 50 percent of banking assets in several of these countries. But important issues about foreign bank entry continue to be debated.
| Author | : Janek Uiboupin |
| Publisher | : |
| Total Pages | : 28 |
| Release | : 2005 |
| Genre | : Banks and banking, Foreign |
| ISBN | : 9789949404322 |
| Author | : Ms.Emilia Magdalena Jurzyk |
| Publisher | : International Monetary Fund |
| Total Pages | : 41 |
| Release | : 2010-01-01 |
| Genre | : Business & Economics |
| ISBN | : 1451961715 |
Using a combination of propensity score matching and difference-in-difference techniques we investigate the impact of foreign bank ownership on the performance and market power of acquired banks operating in Central and Eastern Europe. This approach allows us to control for selection bias as larger but less profitable banks were more likely to be acquired by foreign investors. We show that during three years after the takeover, banks have become more profitable due to cost minimization and better risk management. They have additionally gained market share, because they passed their lower cost of funds to borrowers in terms of lower lending rates. Previous studies failed to pick up the improvements in performance of takeover banks, because they did not account for the performance of financial institutions before acquisitions.
| Author | : |
| Publisher | : |
| Total Pages | : |
| Release | : 2003 |
| Genre | : |
| ISBN | : |
A atual literatura empírica sobre a entrada de bancos estrangeiros e seus efeitos nos mercados domésticos e diversos estudos de casos conduzidos em diferentes paísesdemonstram que a entrada de bancos estrangeiros em mercados domésticos provoca impactos negativos na performance dos bancos nacionais. Basicamente, por força do aumento da estrutura de concorrência no mercado e por práticas bancárias superiores introduzidas pelos bancos estrangeiros, os bancos domésticos são obrigados a reduzirsuas margens (spread) e níveis de rentabilidade, a aumentar a oferta de crédito, a melhorar sua eficiência operacional e a aumentar o risco de crédito, entendido pelo aumento das provisões para inadimplência. Utilizando dados bancários de 11 bancos privados nacionais brasileiros para períodos semestrais de dezembro/1994 a dezembro/2002 e conduzindo regressões em painel e regressões lineares multivariadaspara os dados agregados da amostra, o estudo busca evidenciar a existência de uma relação estatisticamente significante entre as variáveis de desempenho e a entrada dos bancos estrangeiros. Contradizendo a evidência empírica apresentada pela literatura internacional, este trabalho demonstra que, no Brasil, a entrada dos bancos estrangeirosestimulada pela liberalização da economia e da legislação após o plano Real, teve pouca influência no desempenho dos bancos privados nacionais. Os resultados estatísticossugerem que um aumento da participação de bancos estrangeiros acarreta maior rentabilidade, menor eficiência operacional e aumento do risco de crédito para osbancos privados nacionais.
| Author | : Janek Uiboupin |
| Publisher | : |
| Total Pages | : 52 |
| Release | : 2004 |
| Genre | : Bank management |
| ISBN | : |
| Author | : Todd A. Gormley |
| Publisher | : |
| Total Pages | : 54 |
| Release | : 2014 |
| Genre | : |
| ISBN | : |
This paper uses the entry of foreign banks into India during the 1990s - analyzing variation in both the timing of the new foreign banks' entries and in their location - to estimate the effect of foreign bank entry on domestic credit access and firm performance. In contrast to the belief that foreign bank entry should improve credit access for all firms, the estimates indicate that foreign banks financed only a small set of very profitable firms upon entry, and that on average, firms were eight percentage points less likely to have a loan after a foreign bank entry because of a systematic drop in domestic bank loans. Similar estimates are obtained using the location of pre-existing foreign firms as an instrument for foreign bank locations. Moreover, the observed decline in loans is greater among smaller firms, firms with fewer tangible assets, and firms affiliated with business groups. The drop in credit also appears to adversely affect the performance of smaller firms with greater dependence on external financing. Overall, this evidence is consistent with the exacerbation of information asymmetries upon foreign bank entry.
| Author | : Katarzyna Mikolajczyk |
| Publisher | : |
| Total Pages | : 25 |
| Release | : 2009 |
| Genre | : |
| ISBN | : |
Using Poland as an example, the paper analyses the impact of foreign capital inflow on banking sector with regard to bank efficiency. The main research question is whether ownership structure plays a significant role for bank strategies, profitability and long-term stability of the banking market. The paper concentrates on analysing bank operational efficiency using ratio analysis and DEA models: balance sheet based and revenue based. Analysing performance of banks operating in Poland, the Authors use balance-sheet data of 50 largest Polish banks, comprising app. 90% of total banking assets for the period 1998-2007. The aim is to compare the recent Polish data with those of other countries, identifying factors which determine the efficiency of foreign and domestic banks. At the end, the paper tries to address the long-term challenges posed by the global banking crisis.
