Using quarterly data for Uruguayan banks we find that this sector is a concentrated oligopoly exhibits global economies of scale. Specific product scale are statistically significant in households and corporate loans. There scope between varieties loans, deposits local currency portfolio management. The credit market to the least competitive, behaving like monopoly or under implicit collusion. ...

We explore the implications of risk-based capital requirements, à la Basel, for the conduct of monetary policy. A “bank balance-sheet channel” of monetary policy is identified, which operates through bank capital and influences the bank’s loan decision. Using a dynamic banking model, we endogenize the capital decision and show that banks are likely to hold capital above the regulatory minimum t...

Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (Olatokun & Igbinedion 2009; Alaba, 2011), and is still being i...