Banking Case Study

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The banking industry in the emerging market economies: competition, consolidation and systemic stability - an overview John Hawkins and Dubravko Mihaljek I. 2. Introduction ........................................................................................................................... Forces for change ................................................................................................................. Deregulation and opening-up to foreign competition ........................................................... Technology ........................................................................................................................... Changes in corporate behaviour .......................................................................................... Banking crises ...................................................................................................................... 3. State banks: privatisation ..................................................................................................... Performance of state-owned commercial banks .................................................................. Privatisation experiences and issues ................................................................................... Central Europe: role of strategic foreign partners ................................................................ Latin America: privatisation as part of structural reforms ..................................................... Crisis-hit Asian countries: how to re-privatise nationalised banks? ..................................... Is there a residual role for state-owned commercial banks? ................................................ 4. Domestic mergers and consolidation ................................................................................... Potential for bank consolidation ............................................................................................ Country experiences: market-driven versus government-led consolidation ........................ Central Europe: market-driven consolidation has only started .................................. Latin America: consolidation as a response to inefficient banking structures ............ Government-led consolidation in the crisis-hit Asian economies ............................... Bank consolidation dilemmas in the mature emerging economies ............................ 5. Entry of foreign banks ........................................................................................................... Expanding abroad ................................................................................................................ Business focus of foreign banks ........................................................................................... Impact of foreign entry on domestic banks .......................................................................... Opening up the domestic banking system ........................................................................... 6. Issues in systemic stability ................................................................................................... Branches versus subsidiaries of foreign banks .................................................................... Foreign banks and depositor protection ............................................................................... Competition, moral hazard and systemic stability ................................................................ Annex 1: Common causes of banking crises ................................................................................. Annex 2: Evidence on the motives for bank mergers in industrial countries .................................. Annex 3: Additional background tables .......................................................................................... References...
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