agencies, information disclosure requirements, external governance mechanisms, deposit insurance, barriers to entry, and loan … performance of banking systems. Since the underlying surveys are large and complex, we construct summary indices of key bank … regulatory and supervisory policies to facilitate cross-country comparisons and analyses of changes in banking policies over time …

specific regulatory and supervisory practices and banking-sector development, efficiency, and fragility. The paper examines: (i …) regulatory restrictions on bank activities and the mixing of banking and commerce; (ii) regulations on domestic and foreign bank … entry; (iii) regulations on capital adequacy; (iv) deposit insurance system design features; (v) supervisory power …