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

Eduardo Urdapilleta () and Constantinos Stephanou ()
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Eduardo Urdapilleta: The World Bank, Postal: 1818 H Street, N.W., Washington, DC 20433
Constantinos Stephanou: The World Bank, Postal: 1818 H Street, N.W., Washington, DC 20433

No 4809, Policy Research Working Paper Series from The World Bank

Abstract: 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.

Keywords: Brazil; banking; competition; industry structure; performance (search for similar items in EconPapers)
Pages: 41 pages
Date: 2009-01-01
New Economics Papers: this item is included in nep-ban, nep-com and nep-dev
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (2)

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Persistent link: https://EconPapers.repec.org/RePEc:wbk:wbrwps:4809

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