The Impact Of The Foreign Bank Entry On The Performance Of Brazilian Private Banking PDF Download
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Release | : 2003 |
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Download The impact of the foreign bank entry on the performance of brazilian private banking Book in PDF, ePub and Kindle
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 | : Márcio Issao Nakane |
Publisher | : World Bank Publications |
Total Pages | : 34 |
Release | : 2005 |
Genre | : Banks and banking |
ISBN | : |
Download Bank Privatization and Productivity Book in PDF, ePub and Kindle
Over the past decade, the Brazilian banking industry has undergone major and deep transformations with several privatizations of state-owned banks, mergers and acquisitions, closing down of troubled banks, entry by foreign banks, and so on. The purpose of this paper is to evaluate the impacts of these changes in banking on total factor productivity. The authors first obtain measures of bank level productivity by employing the techniques due to Levinsohn and Petrin (2003). They then relate such measures to a set of bank characteristics. Their main results indicate that state-owned banks are less productive than their private peers, and that privatization has increased productivity.
Author | : Luiz Fernando de Paula |
Publisher | : Routledge |
Total Pages | : 274 |
Release | : 2012-07-26 |
Genre | : Business & Economics |
ISBN | : 1136854894 |
Download Financial Liberalization and Economic Performance Book in PDF, ePub and Kindle
Since the beginning of the 1990s, Brazil has followed a pattern of economic development inspired by Washington Consensus. This framework includes a set of liberalising and market friendly policies such as privatisation, trade liberalization, stimulus to foreign direct investment, tax reform, and social security reforms. This book assesses the determinants and impacts of financial liberalisation in Brazil considering its two dimensions: the opening up of the balance of payments capital account, and the penetration by foreign bank of the domestic banking sector. The author combines theoretical and empirical analyses. Some make use of mathematical models and/or statistical techniques; however, they are only used when they are strictly necessary to the analysis.
Author | : Ms.Agnes Belaisch |
Publisher | : International Monetary Fund |
Total Pages | : 23 |
Release | : 2003-06-01 |
Genre | : Business & Economics |
ISBN | : 1451853726 |
Download Do Brazilian Banks Compete? Book in PDF, ePub and Kindle
More developed financial systems are associated with higher investment and better economic performance. This paper discusses possible factors that may inhibit a deepening of bank intermediation and more efficient banking in Brazil, two aspects that are found to be significantly different than in leading banking systems in other parts of the world. Using panel data, it finds positive evidence of the presence of a noncompetitive market structure in the Brazilian banking system, a factor that could explain why intermediation may be relatively low and costly. When banks behave like local monopolies or oligopolies, incentives to improve efficiency are weak and the interest rate spread is large, discouraging higher lending volumes.
Author | : M??rcio I. Nakane |
Publisher | : |
Total Pages | : |
Release | : 2012 |
Genre | : |
ISBN | : |
Download Bank Privatization and Productivity Book in PDF, ePub and Kindle
Over the past decade, the Brazilian banking industry has undergone major and deep transformations with several privatizations of state-owned banks, mergers and acquisitions, closing down of troubled banks, entry by foreign banks, and so on. The purpose of this paper is to evaluate the impacts of these changes in banking on total factor productivity. The authors first obtain measures of bank level productivity by employing the techniques due to Levinsohn and Petrin (2003). They then relate such measures to a set of bank characteristics. Their main results indicate that state-owned banks are less productive than their private peers, and that privatization has increased productivity.
Author | : Anjali Kumar |
Publisher | : World Bank Publications |
Total Pages | : 73 |
Release | : 2005-01-01 |
Genre | : Business & Economics |
ISBN | : 0821361295 |
Download Enterprise Size, Financing Patterns, and Credit Constraints in Brazil Book in PDF, ePub and Kindle
'Enterprise Size, Financing Patterns, and Credit Constraints in Brazil' investigates the importance of firm size with respect to accessing credit. The principal findings are that size strongly affects access to credit compared to firm performance, and other factors, such as management education, location or the industrial sector to which the firm belongs. Additional findings are that the impact of size on access to credit is greater for longer term loans and that public financial institutions are more likely to lend to large firms. Finally, financial access constraints may have a less significant differential impact across firms of different sizes than other constraints, though cost of finance as a constraint is very important.
Author | : Luiz Fernando de Paula |
Publisher | : |
Total Pages | : 34 |
Release | : 2002 |
Genre | : Banks and banking |
ISBN | : |
Download Expansion Strategies of European Banks to Brazil and Their Impacts on the Brazilian Banking Sector Book in PDF, ePub and Kindle
Author | : Kurt e von Mettenheim |
Publisher | : Routledge |
Total Pages | : 261 |
Release | : 2015-10-06 |
Genre | : Business & Economics |
ISBN | : 1317323610 |
Download Federal Banking in Brazil Book in PDF, ePub and Kindle
This study is the first in a decade to provide an overview of banking in Brazil. It is argued that the big three federal banks have long provided essential policy alternatives and, since the liberalization of the industry in the 1990s, have realized competitive advantages over private and foreign banks.
Author | : Anjali Kumar |
Publisher | : World Bank Publications |
Total Pages | : 93 |
Release | : 2005-01-01 |
Genre | : Business & Economics |
ISBN | : 0821361317 |
Download Assessing Financial Access in Brazil Book in PDF, ePub and Kindle
Access to financial services in Brazil has been relatively stable over the past ten years, despite the banking sector contraction of the late 1990s. Wide geographic variations in the supply of banking services by region and municipality are partly explained by differentials in income and population density. On a cross-country basis, Brazil does not appear to be underbanked. Looking at the use of financial services by different groups of consumers in Brazil, differences in financial access across regions is confirmed, but differences among richer and poorer neighborhoods can be as important. Public financial institutions in Brazil, deemed to be socially responsible, appear to have served disadvantaged groups more than private banks on some measures and for some services. However, their role varies by type of service, and in the case of some services, public banks in fact may have better served the better-off groups. At the level of individuals, the most important determinants of access to financial services are socio-economic characteristics such a income, wealth, and education. This may signify that in the presence of asymmetric information, access to such services depends critically on client information, and such characteristics provide a proxy for creditworthiness.
Author | : Fernando J. Cardim de Carvalho |
Publisher | : |
Total Pages | : 34 |
Release | : 2001 |
Genre | : Banks and banking, Foreign |
ISBN | : |
Download The Recent Expansion of Foreign Banks in Brazil Book in PDF, ePub and Kindle