Bank Efficiency, Ownership and Market Structure : Why Are Interest Spreads So High in Uganda?

Bank Efficiency, Ownership and Market Structure : Why Are Interest Spreads So High in Uganda?

Using a unique bank-level data set on the Ugandan banking system during 1999-2005, the authors explore the factors behind consistently high interest rate spreads and margins. While foreign banks charge lower interest rate spreads, they do not find a robust and economically significant relationship b...

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Bibliographic Details
Main Authors: Beck, Thorsten, Hesse, Heiko
Format: Policy Research Working Paper
Language:English
en_US
Published: World Bank, Washington, DC 2012
Subjects:
ADVERSE SELECTION
AGRICULTURE
ASYMMETRIC INFORMATION
BAD DEBT
BALANCE SHEET INFORMATION
BANK CAPITAL
BANK PRIVATIZATION
BANK REGULATION
BANK SIZE
BANKING CRISIS
BANKING SECTOR
BANKING SUPERVISION
BANKING SYSTEM
BANKING SYSTEMS
BENCHMARK
COMMERCIAL BANKS
COMPETITIVENESS
COUNTRY COMPARISONS
DEPOSIT ACCOUNTS
DEPOSITORS
DEPOSITS
EARNING ASSETS
EMPIRICAL ANALYSIS
FINANCIAL INSTITUTIONS
FINANCIAL INTERMEDIATION
FINANCIAL LIBERALIZATION
FINANCIAL SECTOR
FINANCIAL SECTOR REFORM
FINANCIAL SYSTEMS
FIXED ASSETS
FOREIGN BANKS
FOREIGN OWNERSHIP
FUTURE RESEARCH
GDP
INCOME STATEMENTS
INFLATION
INFLATION RATE
INFLATION RATES
INSIDER TRANSACTIONS
INTEREST COSTS
INTEREST INCOME
INTEREST MARGIN
INTEREST RATE
INTEREST RATES
LATIN AMERICAN
LIQUID ASSETS
LIQUIDITY
LIQUIDITY RATIO
LOAN CLASSIFICATION
LOAN LOSS PROVISIONS
MACROECONOMIC CONDITIONS
MARGINAL COST
MICROFINANCE
MORAL HAZARD
NATIONALIZATION
NET INTEREST MARGIN
OPERATING COSTS
OVERHEAD COSTS
OWNERSHIP STRUCTURE
PORTFOLIO
PORTFOLIO COMPOSITION
PORTFOLIOS
POSITIVE EFFECTS
PRIVATIZATION
PROFITABILITY
REAL GDP
RESOURCE MOBILIZATION
RETURN ON ASSETS
RISK PREMIUM
RISK PREMIUMS
ROA
SAVINGS
SECURITIES
SHAREHOLDERS
SMALL BANKS
STATEMENT
SUB-SAHARAN AFRICA
TRANSACTION COSTS
TRANSPORT
TREASURY BILL
VOLATILITY
Online Access:http://documents.worldbank.org/curated/en/2006/10/7105070/bank-efficiency-ownership-market-structure-interest-spreads-so-high-uganda
http://hdl.handle.net/10986/9270

Internet

http://documents.worldbank.org/curated/en/2006/10/7105070/bank-efficiency-ownership-market-structure-interest-spreads-so-high-uganda
http://hdl.handle.net/10986/9270

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