English, Article, Journal or magazine article edition: Bank Efficiency, Ownership and Market Structure Heiko Hesse; Thorsten Beck

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Bookmark: http://trove.nla.gov.au/version/20671
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • Bank Efficiency, Ownership and Market Structure
Author
  • Heiko Hesse
  • Thorsten Beck
Physical Description
  • preprint
Notes
  • Using a unique bank-level dataset on the Ugandan banking system over the period 1999 to 2005, we explore the factors behind consistently high interest rate spreads and margins. While foreign banks charge lower interest rate spreads, we do not find a robust and economically significant relationship between privatization, foreign bank entry, market structure and banking efficiency. Similarly, macroeconomic variables can explain little of the over-time variation in bank spreads. Bank-level characteristics, on the other hand, such as bank size, operating costs, and composition of loan portfolio, explain a large proportion of cross-bank, cross-time variation in spreads and margins. However, time-invariant bank-level fixed effects explain the largest part of bank-variation in spreads and margins. Further, we find tentative evidence that banks targeting the low-end of the market incur higher costs and therefore higher margins.
  • Foreign Bank Entry, Financial Sector Reform, Bank Efficiency, Financial Intermediation, Uganda
  • RePEc:oxf:wpaper:277
Language
  • English
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