" The objective of this paper is to analyze the industry structure of banking services in Brazil in order to shed light … 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 …

. Overall, banking strategies that rely prominently on generating non-interest income or attracting non-deposit funding are very … risky, which is consistent with the demise of the U.S. investment banking sector. "--World Bank web site …

domestic banks-in banking relationships, using data from India. The empirical results are consistent with all of their … main banks are most likely to have multiple banking relationships, have the most relationships, and diversify relationships … multiple banking and number of relationships hold for only one type of state-owned bank. "--World Bank web site …