This work empirically evaluates the level of technical efficiency of Brazilian banks considering the volume of non-performing loans (NPLs) and their determinants. We made this in a two-stage analysis. In the first stage, the results suggest that for the type of ownership, foreign banks were more...

Over the last two decades, almost all countries in the world have experienced a noticeable process of liberalization and deregulation. This process has both motivated and propelled changes in the very competitive dynamics of the banking industry. Therefore, various OECD countries have changed...

This paper deals with the distribution of banking credit and branchs by Brazilian states between 1994 and 2002. Besides the report of the major changes in the National Financial System at that period, it shows also some figures of concentration and dynamics of state-level banking credit and,...