Using bank data for 80 countries for 1988-95, the authors show that differences in interest margins and bank … profitability reflect various determinants: bank characteristics, macroeconomic conditions, explicit and implicit bank taxes …. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: 1 …

net design across countries. The authors examine cross-country data on bank-level interest expense and deposit growth for … systems, they investigate the impact of explicit deposit insurance (and its key features) on bank interest rates and market … bank risk factors, especially bank liquidity. 3) Higher explicit coverage, broader coverage, and the existence of an …

Countries differ in the extent to which their financial systems are bank-based or market-based. The financial systems … of Germany and Japan, for example, are considered bank-based because banks play a leading role in mobilizing savings … the United States, and the United Kingdom are considered more market-based. Using bank-level data for a large number of …