Foreign Banks In Poor Countries Theory And Evidence
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| Author | : Thierry Tressel |
| Publisher | : INTERNATIONAL MONETARY FUND |
| Total Pages | : 50 |
| Release | : 2006-01-01 |
| Genre | : Banks and banking |
| ISBN | : 9781451862782 |
We study how foreign bank penetration affects financial sector development in poor countries. A theoretical model shows that when foreign banks are better at monitoring highend customers than domestic banks, their entry benefits those customers but may hurt other customers and worsen welfare. The model also predicts that credit to the private sector should be lower in countries with more foreign bank penetration. In the empirical section, we show that, in poor countries, a stronger foreign bank presence is robustly associated with less credit to the private sector both in cross-sectional and panel tests. In addition, in countries with more foreign bank penetration, credit growth is slower and there is less access to credit. We find no adverse effects of foreign bank presence in more advanced countries.
| Author | : Thierry Tressel |
| Publisher | : |
| Total Pages | : |
| Release | : 2006 |
| Genre | : Electronic books |
| ISBN | : |
| Author | : |
| Publisher | : World Bank Publications |
| Total Pages | : 46 |
| Release | : 2001 |
| Genre | : Bank assets |
| ISBN | : |
Foreign banks are playing an increasingly large role in many developing countries, holding more than 50 percent of banking assets in several of these countries. But important issues about foreign bank entry continue to be debated.
| Author | : Robert J. Cull |
| Publisher | : World Bank Publications |
| Total Pages | : 43 |
| Release | : 2007 |
| Genre | : Bank |
| ISBN | : |
This paper describes the recent trends in foreign bank ownership in developing countries, summarizes the existing evidence on the causes and implications of foreign bank presence, and reexamines the link between banking crises and foreign bank participation. Using data on the share of banking sector assets held by foreign banks in over 100 developing countries during 1995-2002, the results show that countries that experienced a banking crisis tended to have higher levels of foreign bank participation than those that did not. Furthermore, panel regressions indicate that foreign participation increased as a result of crises rather than prior to them. However, post-crisis increases in foreign participation did not coincide with increased credit to the private sector, perhaps because in many cases foreign banks acquired distressed banks.
| Author | : Mr.Stijn Claessens |
| Publisher | : International Monetary Fund |
| Total Pages | : 40 |
| Release | : 2012-01-01 |
| Genre | : Business & Economics |
| ISBN | : 1463931158 |
This paper introduces a comprehensive database on bank ownership for 137 countries over 1995-2009, and reviews foreign bank behavior and impact. It documents substantial increases in foreign bank presence, with many more home and host countries. Current market shares of foreign banks average 20 percent in OECD countries and 50 percent elsewhere. Foreign banks have higher capital and more liquidity, but lower profitability than domestic banks do. Only in developing countries is foreign bank presence negatively related with domestic credit creation. During the global crisis foreign banks reduced credit more compared to domestic banks, except when they dominated the host banking systems.
| Author | : Joydeep Bhattacharya |
| Publisher | : |
| Total Pages | : 32 |
| Release | : 1994 |
| Genre | : |
| ISBN | : |
| Author | : Ashoka Mody |
| Publisher | : World Bank Publications |
| Total Pages | : 33 |
| Release | : 2004 |
| Genre | : Bancos extranjeros |
| ISBN | : |
Increasing foreign participation and high concentration levels characterize the recent evolution of banking sectors' market structures in developing countries. Martinez Peria and Mody analyze the impact of these factors on Latin American bank spreads during the late 1990s. Their results suggest that foreign banks were able to charge lower spreads relative to domestic banks. This was more so for de novo foreign banks than for those that entered through acquisitions. The overall level of foreign bank participation seemed to influence spreads indirectly, primarily through its effect on administrative costs. Bank concentration was positively and directly related to both higher spreads and costs. This paper--a product of Finance, Development Research Group--is part of a larger effort in the group to understand banking sector market structure changes in developing countries.
| Author | : George R. G. Clarke |
| Publisher | : |
| Total Pages | : 44 |
| Release | : 2001 |
| Genre | : Bank loans |
| ISBN | : |
How does entry by foreign banks affect lending to small and medium-size anterprises in developing countries? Analysis of data from a large cross-country survey of enterprises finds that foreign bank entry benefits firms of all sizes, although it seems to benefit larger firms more.
| Author | : Robert Cull |
| Publisher | : International Monetary Fund |
| Total Pages | : 49 |
| Release | : 2017-03-22 |
| Genre | : Business & Economics |
| ISBN | : 1475588127 |
This paper presents recent trends in bank ownership across countries and summarizes the evidence regarding the implications of bank ownership structure for bank performance and competition, financial stability, and access to finance. The evidence reviewed suggests that foreign-owned banks are more efficient than domestic banks in developing countries, promote competition in host banking sectors, and help stabilize credit when host countries face idiosyncratic shocks. But there are tradeoffs, since foreign-owned banks can transmit external shocks and might not always expand access to credit. The record on the impact of government bank ownership suggests few benefits, especially for developing countries.
| Author | : Robert Cull |
| Publisher | : |
| Total Pages | : |
| Release | : 2012 |
| Genre | : |
| ISBN | : |
This paper describes the recent trends in foreign bank ownership in developing countries, summarizes the existing evidence on the causes and implications of foreign bank presence, and reexamines the link between banking crises and foreign bank participation. Using data on the share of banking sector assets held by foreign banks in over 100 developing countries during 1995-2002, the results show that countries that experienced a banking crisis tended to have higher levels of foreign bank participation than those that did not. Furthermore, panel regressions indicate that foreign participation increased as a result of crises rather than prior to them. However, post-crisis increases in foreign participation did not coincide with increased credit to the private sector, perhaps because in many cases foreign banks acquired distressed banks.
