This paper examines the impact of bank efficiency on access to credit. We test hypothesis that higher efficiency, meaning a better ability banks operate at lower costs, favors credit for firms. To this end, we perform cross-country analysis with firm-level data and bank-level compute using sample about 54,000 firms from 76 countries. find greater improves The beneficial alleviate constraints ta...

World Bank Working Papers are published to communicate the results of the Bank's work to the development community with the least possible delay. The manuscript of this paper therefore has not been prepared in accordance with the procedures appropriate to formally-edited texts. Some sources cited in this paper may be informal documents that are not readily available. The findings, interpretatio...