origin. The findings denote that over the short and the long term, gross domestic product (GDP) and the number of beds …

This paper analyses banking convergence, measured through the ratios of deposits and loans to GDP, across 65 countries …, compares it with per capita income convergence, and tests its effect on real convergence. The focus of the paper is the group … convergence among these countries with that reached by other 17 potential convergence clubs around the world (including the EU-27 …