weaknesses in bank balance sheets, consumption-led economic growth, and relatively high net interest margins. Bank-level analysis … suggests that interest margins in the Philippines rise with bank size, bank capitalization, foreign ownership, overhead costs … and tax rates. Using bank-level data for a number of Asian economies, we find that higher growth, lower inflation, higher …

Financial intermediation is low in sub-Saharan Africa (SSA) compared to other regions of the world. This paper examines … the determinants of bank interest margins using a sample of 456 banks in 41 SSA countries. The results show that market … concentration is positively associated with interest margins, but the impact depends on the level of efficiency of each bank. In …

The typical portrait of monetary policy has the banks and the money supply being manipulated through changes in bank … reserves. However, with only a small portion of bank deposits now subject to reserve requirements, an alternative explanation … requirements for monetary policy. In particular, we identify a "bank balance-sheet channel" of monetary policy, which operates …

greater interest rate competition. Lack of bank deposit market power, including through capital account mobility, may lessen …

profitability of small business credit (and related information) services. The present study employs recently available business … relationship between bank profits and small business credit. Regression analyses are conducted using the rate of return on assets … have a negligible effect the profits of large banks, they tend to increase the profitability of small banks over time …