This paper examines the impact of bank regulations, market structure, and national institutions on bank net interest … margins and overhead costs using data on over 1,400 banks across 72 countries while controlling for bank …-specific characteristics. The data indicate that tighter regulations on bank entry and bank activities boost the cost of financial …

During the last years the lending business has come under considerable competitive pressure and bank managers often … are able to explain the financial performance of bank lending activities. The analysis is based on the CFS-data-set that …