bank legislation, specifically bank non-lending activities like non-financial firm, insurance, real estate and securities … development have a preference to restrict bank entry into non-lending activities, a result that is consistent with a bank power … freedoms in bank-non lending activities, however, the private interest story suggest the opposite. As a possible resolution to …

In an international context, this paper analyzes the main drivers of Brazil's bank spreads measured by the net interest … countries; ranging from 1995 to 2009, including 106 banks for Brazil and 16,434 banks worldwide. The analysis finds that micro …-factors are the main drivers of spreads across the world. In the case of Brazil, the spread is found to be strongly accounted for …