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Private foreign banks dominate the banking system although their market share declined in the 1990s while that of private indigenous banks increased. The banking system was not concentrated either within or across countries. Stigler’s survivor test indicated that large banks tended to reduce their scale over time. Private foreign and private indigenous banks exhibited similar distributions with respect to operating expenses but private foreign banks were most profitable. High interest rate spreads appeared attributable to higher average costs related to market size and geographic peculiarities.

Banks and Banking --- Industries: Financial Services --- Semiparametric and Nonparametric Methods --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- Interest Rates: Determination, Term Structure, and Effects --- Banking --- Finance --- State-owned banks --- Foreign banks --- Commercial banks --- Loans --- Financial institutions --- Deposit rates --- Financial services --- Banks and banking --- Banks and banking, Foreign --- Interest rates --- United States