This paper aims to contribute to the understanding of factors that affect the net inflow of savings deposits. To achieve this goal, the paper presents the impact of regulatory changes, which have occurred in the period from March 2003 to November 2011, had in attracting savings, uses...

This paper aims to compare the interest rates charged by credit unions and banks (commercial and multiple) in order to check whether there are differences between the rates charged for loans without personal assignment and the effects of this difference in interest rates charged by banks in...

This paper aims to describe the structure of the Quarterly Survey of Credit Conditions in Brazil conducted by the Central Bank of Brazil. It presents the results of the first survey, March 2011, the methodology to construct several indicators that summarize the responses of financial...

This study aimed to verify, between December 2005 and December 2006, the behavior of the credit rating systems of Brazilian Financial Institutions (FIs) regarding one of the main issues to be observed in the procedures for the credit rating system validation: the discriminant power of the...

One of the main variables observed in the performance evaluation of banking credit is the index that measures the default rate. Different approaches are used, or were proposed, to perform the calculation of this index. However, the difficulty of defining default leads to the creation of...