DDI_WLD_1997_BCC_v01_M 2011-01-25 NADA Version 01 (January 2011) Bank Concentration and Crisis 1980-1997 BCC 1980-1997 WLD_1997_BCC_v01_M Thorsten Beck, Asli Demirgüç-Kunt and Ross Levine NADA Development Research Group Macroeconomics - Indicators Dataset used for Beck, Thorsten, Asli Demirguc-Kunt and Ross Levine, "Bank Concentration and Crises", Journal of Banking and Finance,2003. Australia Austria Burundi Belgium Benin Burkina Faso Bahrain Botswana Canada Switzerland Chile Cameroon Colombia Cyprus Germany Denmark Dominican Republic Ecuador Egypt, Arab Rep. Finland France Gabon United Kingdom Ghana Guinea Gambia, The Greece Guatemala Guyana Honduras Indonesia India Ireland Israel Italy Jamaica Jordan Japan Kenya Korea, Rep. Sri Lanka Lesotho Mexico Mali Mauritania Mauritius Malawi Malaysia Niger Nigeria Netherlands Norway Nepal New Zealand Panama Peru Philippines Papua New Guinea Portugal Senegal Singapore Sierra Leone El Salvador Sweden Eswatini Seychelles Togo Thailand Tunisia Turkiye Tanzania Uruguay United States Venezuela, RB South Africa Zambia Aggregate data [agg] The dataset includes indicators related to the following: - Bank Market Structure concentration - Regulatory restrictions (Entry applications denied, Activity restrictions, Banking freedom) - Government ownership of banks - Institutions (Economic freedom, KKZ index) - Financial sector development (Private credit, Total value traded) - Economic development (GDP) Other [oth] Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including country, acronym and year of implementation) - the survey reference number - the source and date of download Example: Thorsten Beck, Asli Demirguc-Kunt and Ross Levine. Bank Concentration and Crises (BCC) 1980-1997. Ref. WLD_1997_BCC_v01_M. Dataset downloaded from http://microdata.worldbank.org on [date]. The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses. JBFdata_revised 1422 62 Group ID Group ID Group ID Group ID Group ID 1422 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 Country Code Country Code Country Code Country Code Country Code 1422 Australia Austria Bahrain Belgium Belize Benin Botswana Burkina Faso Burundi Cameroon Canada Chile Colombia Congo, Rep. Cote d'Ivoire Cyprus Denmark Dominican Republic Ecuador Egypt, Arab Rep. El Salvador Finland France Gabon Gambia, The Germany Ghana Greece Guatemala Guinea Guyana Honduras India Indonesia Ireland Israel Italy Jamaica Japan Jordan Kenya Korea, Rep. Lesotho Malawi Malaysia Mali Mauritania Mauritius Mexico Nepal Netherlands New Zealand Niger Nigeria Norway Panama Papua New Guinea Peru Philippines Portugal Senegal Seychelles Sierra Leone Singapore South Africa Sri Lanka Swaziland Sweden Switzerland Tanzania Thailand Togo Tunisia Turkey United Kingdom United States Uruguay Venezuela Zambia Year Year Year Year Year 1422 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 Banking crisis dummy Banking crisis dummy Banking crisis dummy Banking crisis dummy Banking crisis dummy 1230 192 1 Sysmiss Banking crisis dummy = 1 if a country is in the first year of a banking crisis, 0 if not and missing in subsequent years of the crisis Banking crisis dummy Banking crisis dummy Banking crisis dummy Banking crisis dummy Banking crisis dummy 1422 1 Banking crisis dummy = 1 if a country is in the first year of a banking crisis, 0 if not Banking crisis dummy Banking crisis dummy Banking crisis dummy Banking crisis dummy Banking crisis dummy 1422 1 Banking crisis dummy = 1 if a country is in a banking crisis, 0 if not Ratio of M2 to international reserves Ratio of M2 to international reserves Ratio of M2 to international reserves Ratio of M2 to international reserves Ratio of M2 to international reserves 1406 16 Real interest rate Real interest rate Real interest rate Real interest rate Real interest rate 1340 82 Inflation Inflation Inflation Inflation Inflation 1404 18 The rate of change of the GDP deflator Terms of trade Terms of trade Terms of trade Terms of trade Terms of trade The rate of change of the GDP deflator 1373 49 -51 -47 -46 -41 -40 -39 -37 -32 -29 -28 -27 -26 -25 -24 -23 -22 -21 -20 -19 -18 -17 -16 -15 -14 -13 -12 -11 -10 -9 -8 -7 -6 -5 -4 -3 -2 -1 0.000198 0.0002 0.000214 0.000267 0.0005 0.000565 0.000633 0.00087 0.000961 0.001267 0.001518 0.002281 0.003838 0.0051 0.00634 0.0084 0.0087 0.0097 0.0098 0.0099 0.01 0.0101 0.0102 0.0108 0.0112 0.0113 0.0114 0.012464 0.01265 0.013863 0.014269 0.019089 0.0193 0.031941 0.038594 0.0393121 0.040648 0.0469 0.049925 0.0511 0.053396 0.054546 0.05924 0.059465 0.061123 0.069861 0.070042 0.078539 0.085561 0.104098 0.1062758 0.113285 0.124179 0.12609 0.141905 0.143863 0.143949 0.147972 0.15311 0.157165 0.158383 0.162901 0.170856 0.173531 0.179727 0.18115 0.186367 0.20984 0.224167 0.239157 0.242618 0.2469874 0.255076 0.278075 0.285933 0.299928 0.330139 0.33034 0.357086 0.35815 0.362133 0.362492 0.375684 0.37897 0.385531 0.392949 0.397396 0.398588 0.40216 0.411045 0.428253 0.432407 0.438464 0.445155 0.451236 0.4574 0.461099 0.46359 0.479694 0.484452 0.49138 0.499284 0.512211 0.517087 0.524743 0.550447 0.554982 0.562782 0.568994 0.580695 0.581629 0.586719 0.58892 0.58941 0.593156 0.616635 0.6225378 0.622983 0.62299 0.640828 0.663412 0.664254 0.677405 0.684303 0.702881 0.71461 0.716256 0.721335 0.730187 0.735728 0.743463 0.75343 0.759018 0.759636 0.768697 0.77433 0.793953 0.814012 0.81586 0.843898 0.847488 0.861468 0.903737 0.905161 0.927323 0.941026 0.942959 0.944596 0.970331 0.981453 1.000074 1.00158 1.015151 1.034062 1.035355 1.03756 1.048718 1.053993 1.058981 1.060232 1.06592 1.083473 1.089037 1.099909 1.105744 1.111111 1.132405 1.139 1.141733 1.143013 1.152604 1.161165 1.161987 1.165328 1.167241 1.17012 1.177261 1.181572 1.187114 1.203328 1.2214 1.226077 1.241418 1.251194 1.262611 1.271446 1.273355 1.285199 1.290207 1.324209 1.327713 1.337896 1.348084 1.355183 1.357918 1.357936 1.375009 1.390177 1.405782 1.4213 1.427567 1.435139 1.438309 1.4388 1.446656 1.448845 1.46253 1.470912 1.473485 1.477568 1.480335 1.491267 1.511349 1.547767 1.549453 1.555413 1.556334 1.55697 1.557302 1.559788 1.56878 1.5696 1.574487 1.587837 1.593668 1.595833 1.60962 1.611132 1.618266 1.656891 1.676083 1.677689 1.686844 1.693967 1.743832 1.749955 1.752467 1.752641 1.760562 1.769668 1.780635 1.792691 1.801272 1.806413 1.812889 1.840363 1.853422 1.858784 1.883503 1.933357 1.941748 1.946659 1.950485 1.954064 1.961836 1.969831 1.974433 1.985463 1.996733 2.018527 2.056836 2.06283 2.063614 2.071659 2.07261 2.082191 2.082789 2.082933 2.094136 2.099318 2.119117 2.12766 2.160375 2.18013 2.180507 2.204 2.20833 2.217567 2.228716 2.230759 2.251866 2.261799 2.2832 2.287646 2.341329 2.344812 2.353679 2.370951 2.387909 2.39584 2.397127 2.399101 2.421762 2.422429 2.424261 2.439185 2.443772 2.450478 2.459319 2.460109 2.483948 2.484616 2.49778 2.502953 2.504299 2.506854 2.520928 2.528497 2.537781 2.541774 2.543762 2.587162 2.590345 2.595648 2.598717 2.603465 2.612531 2.645389 2.66837 2.691013 2.696221 2.706896 2.747322 2.748091 2.769669 2.835134 2.8428 2.866015 2.873356 2.915663 2.938191 2.986322 2.989023 2.99814 3.006356 3.007488 3.025332 3.046997 3.056338 3.064909 3.083143 3.084336 3.094835 3.117244 3.137125 3.137918 3.1528 3.158633 3.168094 3.175023 3.179645 3.180568 3.1965 3.197408 3.2082 3.215729 3.228718 3.235709 3.243561 3.249184 3.259443 3.271425 3.286082 3.298406 3.325427 3.361509 3.425079 3.444417 3.469776 3.505697 3.573623 3.631626 3.670997 3.682717 3.693177 3.715557 3.729895 3.737988 3.798345 3.808885 3.809896 3.83366 3.87912 3.889323 3.909961 3.92188 3.928628 3.930157 3.982275 4.010711 4.026506 4.040433 4.044511 4.050668 4.055408 4.068616 4.071892 4.103844 4.104285 4.104464 4.131685 4.164606 4.184416 4.1977 4.198835 4.2095 4.253249 4.263733 4.265269 4.267911 4.269008 4.283612 4.298325 4.3059 4.30854 4.333706 4.347392 4.35506 4.511422 4.519944 4.548021 4.555185 4.566094 4.614868 4.616721 4.627373 4.640519 4.641543 4.648287 4.66197 4.744854 4.794333 4.819254 4.844793 4.892 4.9861 4.988872 5.011135 5.023467 5.026858 5.038512 5.0399 5.046884 5.060807 5.08266 5.086402 5.1433 5.18531 5.259577 5.267652 5.300071 5.369022 5.399216 5.431848 5.486197 5.577484 5.59031 5.631667 5.654726 5.666091 5.684158 5.684566 5.70807 5.711802 5.71217 5.723776 5.783875 5.840059 5.95188 5.967557 5.98079 6.018788 6.058449 6.136015 6.170341 6.2033 6.257008 6.306785 6.344107 6.36916 6.397745 6.42723 6.435328 6.460503 6.46077 6.541529 6.548298 6.631059 6.672526 6.752738 6.800131 6.943947 6.952277 6.961943 6.988458 7.024552 7.033347 7.150543 7.1631 7.195883 7.213048 7.268 7.298995 7.324701 7.454782 7.469735 7.4778 7.51292 7.545877 7.703563 7.7463 7.792886 7.826697 7.85137 7.885272 7.914136 7.954715 7.964606 7.976657 8.063413 8.070829 8.168633 8.302486 8.319741 8.338029 8.357271 8.358961 8.421374 8.428113 8.524714 8.567465 8.610033 8.684996 8.7255 8.745088 8.74983 8.763734 8.929627 8.963616 9.059121 9.0765 9.189847 9.200047 9.219272 9.284584 9.314515 9.364395 9.36726 9.464062 9.530214 9.579048 9.632954 9.8354 9.849732 9.9438 10.12361 10.22156 10.24333 10.29202 10.31668 10.38558 10.53205 10.64747 10.65261 10.80145 10.81337 10.82135 11.10228 11.16133 11.3965 11.45046 11.46701 11.49018 11.49577 11.57896 11.66951 11.8368 11.91095 12.01068 12.0838 12.24388 12.4751 12.66319 12.79923 12.90155 13.00463 13.145 13.39937 13.41615 13.49095 13.51369 13.64464 14.13158 14.14994 14.36996 14.41754 14.42865 14.49056 14.58976 14.68199 14.86541 14.93974 14.9468 15.04128 15.33832 15.69395 15.80046 15.85212 16.29192 16.5332 16.61983 16.7041 16.88976 16.97442 16.98935 17.0189 17.245 17.30129 17.32258 17.4723 17.82294 17.86565 17.88436 18.34031 18.35312 18.45128 18.65472 18.70306 18.74344 18.79158 18.98297 19.24778 19.75298 20.04298 20.35198 20.81491 21.30005 21.4095 21.44273 21.85533 21.9846 21.98976 22.13461 22.22551 22.29885 22.48729 22.53903 22.57992 22.72467 22.8098 22.83262 23.04079 23.29605 23.5536 23.76475 24.15346 24.19008 24.44801 25.47341 25.73147 25.81182 26.3621 26.47491 26.63625 26.73339 27.4433 27.5614 28.53076 28.56843 28.77535 29.09436 29.77737 31.23476 34.37453 35.78367 35.86058 36.40807 36.85126 41.03053 41.81269 46.25741 46.73326 48.52758 48.97977 54.24713 62.2351 63.24449 Sysmiss Changes in terms of trade of goods and services Real GDP growth Real GDP growth Real GDP growth Real GDP growth Real GDP growth 1400 22 GDP per capita GDP per capita GDP per capita GDP per capita GDP per capita 1406 16 Credit growth Credit growth Credit growth Credit growth Credit growth 1386 36 Real growth of domestic credit, lagged two periods Depreciation Depreciation Depreciation Depreciation Depreciation 1422 4.55e-05 4.76e-05 7.4e-05 7.87e-05 0.000344 0.00047 0.000965 0.00143 0.001611 0.001617 0.002074 0.002088 0.002105 0.002306 0.002422 0.002601 0.002687 0.002808 0.002955 0.003009 0.003011 0.004257 0.004279 0.004597 0.004626 0.004824 0.004854 0.004969 0.006301 0.006366 0.00642 0.006672 0.006792 0.007567 0.007753 0.007778 0.008166 0.008499 0.008888 0.009032 0.009221 0.009321 0.009386 0.009436 0.009593 0.0096 0.009681 0.010043 0.010174 0.010231 0.010431 0.010543 0.010634 0.011276 0.011439 0.011559 0.012236 0.012634 0.012932 0.01295 0.013057 0.013392 0.013428 0.013479 0.01352 0.013728 0.013764 0.013911 0.014 0.014328 0.015015 0.015392 0.016008 0.016129 0.016448 0.01657 0.016904 0.017013 0.017436 0.017543 0.017936 0.017985 0.01854 0.018989 0.0193 0.01932 0.019383 0.019467 0.020347 0.020556 0.021257 0.021508 0.021568 0.021619 0.02189 0.022366 0.022664 0.02289 0.022975 0.023008 0.024344 0.024547 0.024565 0.02469 0.02472 0.024973 0.025018 0.025077 0.025106 0.025143 0.0253 0.025517 0.025581 0.025715 0.026083 0.026228 0.026233 0.026406 0.026565 0.026753 0.026792 0.02691 0.027213 0.027262 0.027414 0.027427 0.02756 0.027642 0.027774 0.027781 0.027797 0.027817 0.027917 0.028465 0.028633 0.028825 0.029594 0.02998 0.030016 0.030194 0.030242 0.03033 0.030785 0.030957 0.030983 0.031764 0.031782 0.031799 0.032081 0.032095 0.032141 0.032234 0.0323 0.032318 0.033023 0.033042 0.033065 0.033341 0.033357 0.033413 0.03344 0.033523 0.033619 0.033812 0.033864 0.034097 0.03444 0.034526 0.034563 0.03468 0.034867 0.035018 0.035036 0.035511 0.035517 0.035848 0.03649 0.03654 0.036937 0.037382 0.037544 0.038226 0.038305 0.038317 0.038545 0.038594 0.03881 0.03885 0.038864 0.039366 0.039854 0.039899 0.040004 0.040053 0.040251 0.04028 0.040338 0.04082 0.041121 0.041149 0.042035 0.04212 0.042132 0.04217 0.042529 0.04269 0.042693 0.042754 0.043779 0.044284 0.044712 0.044835 0.045603 0.045886 0.046022 0.046393 0.046724 0.047546 0.047775 0.048062 0.048306 0.048754 0.04878 0.04883 0.048883 0.048902 0.049032 0.049232 0.049527 0.049585 0.049692 0.050392 0.050573 0.050653 0.050745 0.050866 0.050882 0.051358 0.05164 0.051665 0.051712 0.052018 0.052652 0.052663 0.052721 0.052946 0.052973 0.053535 0.053902 0.053945 0.054685 0.054744 0.055847 0.056062 0.056513 0.056613 0.056699 0.056807 0.056851 0.056903 0.056922 0.057043 0.057108 0.057232 0.057609 0.057718 0.057762 0.057778 0.058169 0.058266 0.058906 0.059299 0.059981 0.060157 0.060292 0.061097 0.061985 0.0625 0.063282 0.063577 0.063895 0.064539 0.064622 0.065084 0.065134 0.06519 0.065203 0.065494 0.06559 0.065825 0.065869 0.065907 0.06638 0.066502 0.066609 0.067455 0.067788 0.068127 0.068633 0.068687 0.068851 0.06907 0.06923 0.069322 0.069323 0.06945 0.070395 0.070628 0.070925 0.070983 0.071123 0.071133 0.071389 0.071565 0.071602 0.071981 0.072095 0.072344 0.072927 0.073356 0.073781 0.073877 0.074543 0.074901 0.07551 0.075624 0.075817 0.075913 0.076004 0.076015 0.07635 0.076462 0.076948 0.077139 0.077163 0.077403 0.077648 0.077943 0.078035 0.078251 0.079059 0.079268 0.079354 0.079561 0.079613 0.080003 0.081257 0.082444 0.082465 0.082909 0.083041 0.083047 0.083073 0.083224 0.083575 0.084572 0.084848 0.085037 0.085381 0.085771 0.086067 0.086303 0.086414 0.087044 0.087292 0.087513 0.088014 0.0885 0.088655 0.089668 0.091196 0.091277 0.092291 0.092868 0.09305 0.093708 0.093733 0.095844 0.096383 0.097018 0.09717 0.09754 0.09758 0.09767 0.09798 0.098495 0.098892 0.099044 0.099249 0.100635 0.101161 0.101317 0.101371 0.101979 0.102269 0.102392 0.102511 0.103071 0.103563 0.10408 0.10471 0.104846 0.105175 0.105325 0.10542 0.106178 0.106395 0.106396 0.107043 0.107285 0.107828 0.107854 0.108225 0.108524 0.108592 0.110303 0.110379 0.110386 0.110705 0.110864 0.111514 0.111526 0.111672 0.111907 0.112046 0.11243 0.112512 0.112752 0.113874 0.11429 0.114363 0.11526 0.115859 0.11599 0.116174 0.116504 0.117021 0.117095 0.117332 0.117899 0.118131 0.118612 0.118959 0.119312 0.119369 0.119709 0.120269 0.120733 0.121701 0.121963 0.121965 0.122306 0.122346 0.122357 0.1225 0.122582 0.122671 0.122674 0.122736 0.123633 0.124238 0.124417 0.124777 0.125147 0.125714 0.125765 0.126085 0.126498 0.126543 0.127239 0.127618 0.127677 0.127702 0.128036 0.128116 0.12854 0.1286 0.129162 0.129733 0.130116 0.130657 0.130708 0.131047 0.131885 0.132382 0.132866 0.132918 0.133272 0.133349 0.134948 0.13511 0.13532 0.135695 0.136074 0.136703 0.136822 0.136861 0.137186 0.137667 0.13848 0.138791 0.13899 0.139627 0.14004 0.140118 0.140288 0.140517 0.141787 0.14182 0.141901 0.141903 0.141933 0.142198 0.14289 0.143976 0.144216 0.144474 0.14455 0.144949 0.145324 0.145391 0.145409 0.145633 0.145725 0.146183 0.146222 0.147732 0.148092 0.148112 0.150165 0.15097 0.151438 0.151731 0.151841 0.151846 0.151902 0.153163 0.153467 0.153583 0.154792 0.154814 0.156776 0.157185 0.157518 0.157732 0.158017 0.158871 0.159763 0.16058 0.162179 0.162566 0.163051 0.164268 0.164574 0.164621 0.167655 0.1686 0.168747 0.169236 0.170034 0.17127 0.172508 0.17368 0.173776 0.174656 0.174904 0.177041 0.179148 0.179945 0.181121 0.181584 0.181793 0.181831 0.182651 0.18269 0.183182 0.184508 0.184918 0.185207 0.187019 0.188209 0.18832 0.189103 0.189492 0.190046 0.191792 0.192406 0.195815 0.196093 0.197342 0.197821 0.198166 0.198284 0.198365 0.199154 0.200393 0.200698 0.20324 0.206526 0.206622 0.207396 0.207474 0.207487 0.207836 0.209277 0.20958 0.211809 0.21292 0.212978 0.213181 0.213573 0.214215 0.215739 0.216808 0.217811 0.218095 0.220866 0.22224 0.223063 0.223592 0.224005 0.224914 0.226005 0.226933 0.227156 0.227181 0.227617 0.228393 0.229123 0.230114 0.231425 0.232788 0.234216 0.23546 0.237841 0.23881 0.239686 0.239699 0.243122 0.243395 0.244275 0.24444 0.244663 0.245707 0.245882 0.246725 0.24681 0.248182 0.249597 0.250563 0.251041 0.251075 0.251632 0.252422 0.253022 0.255373 0.255631 0.256354 0.256941 0.261831 0.261853 0.262488 0.263329 0.264609 0.266465 0.27221 0.274759 0.276316 0.278732 0.280507 0.280799 0.282292 0.283149 0.283919 0.28616 0.287682 0.288444 0.290038 0.296159 0.301822 0.304233 0.306257 0.306323 0.307809 0.30845 0.309501 0.310328 0.311185 0.314567 0.316554 0.318246 0.327123 0.327969 0.328123 0.332123 0.334666 0.334928 0.343447 0.344711 0.348941 0.353152 0.364769 0.367411 0.375445 0.377502 0.379509 0.379833 0.380263 0.382092 0.382643 0.384742 0.387975 0.39097 0.395395 0.397968 0.398265 0.3999 0.403489 0.404909 0.407241 0.409974 0.412561 0.412585 0.420081 0.425639 0.428594 0.435123 0.436738 0.4372 0.463533 0.463628 0.465548 0.467485 0.46898 0.469522 0.477928 0.484444 0.486091 0.486354 0.490374 0.490706 0.491657 0.495207 0.499165 0.500381 0.50184 0.506375 0.513507 0.522657 0.52535 0.544292 0.545377 0.549022 0.549669 0.556826 0.557123 0.559291 0.568252 0.570627 0.574168 0.577615 0.581356 0.584344 0.587977 0.593217 0.609546 0.623557 0.626696 0.628609 0.6327 0.639252 0.642899 0.663131 0.667914 0.673316 0.674499 0.675628 0.685263 0.701577 0.705333 0.707833 0.713224 0.720758 0.74928 0.752826 0.755506 0.755772 0.758041 0.785127 0.802299 0.812161 0.825686 0.828099 0.83323 0.840057 0.847899 0.858624 0.867784 0.872058 0.89475 0.908533 0.908828 0.929009 0.966631 0.979908 0.991571 0.999114 1.039663 1.135461 1.150235 1.152367 1.166551 1.391406 1.404983 1.413799 1.651714 2.034998 2.617663 3.029898 4.255184 The rate of change of the exchange rate Concentration Concentration Concentration Concentration Concentration 528 894 0.1549217 0.1588895 0.1602754 0.1662034 0.1991716 0.1997517 0.2004742 0.2015585 0.2028457 0.2040056 0.2055751 0.2082864 0.21478 0.2170394 0.2184028 0.2208 0.2255075 0.227056 0.2283745 0.2321891 0.2415431 0.2418724 0.2477793 0.2482288 0.2518354 0.2530231 0.2557125 0.2636029 0.2641243 0.2657863 0.2665624 0.268475 0.2835214 0.30155 0.30795 0.3088456 0.3118025 0.3126698 0.3185594 0.32739 0.3277389 0.3300811 0.3410341 0.3528378 0.3535032 0.3560459 0.356377 0.3584335 0.359972 0.3619495 0.3633287 0.3668091 0.3696853 0.3697915 0.3739234 0.3783826 0.3839359 0.3841923 0.3855189 0.3880906 0.3880963 0.3902502 0.3904039 0.3926644 0.3971497 0.3985374 0.404898 0.4070845 0.4072219 0.4073201 0.4102862 0.411117 0.411651 0.4131652 0.4133056 0.4160631 0.4170486 0.4186735 0.4196935 0.4205554 0.4212536 0.4213186 0.4219093 0.4219807 0.4225133 0.4225672 0.4232892 0.4273922 0.4276288 0.4308096 0.4310043 0.4319702 0.4367275 0.43726 0.4389247 0.439831 0.4419203 0.4422983 0.4441758 0.4441817 0.4480518 0.4492199 0.4493576 0.451649 0.458219 0.4589804 0.4589835 0.4591481 0.4601047 0.4615754 0.4624313 0.4632 0.463884 0.4661334 0.4712035 0.4714274 0.4723249 0.4735692 0.4777961 0.47874 0.4788977 0.4801061 0.4804459 0.48894 0.4916087 0.4923542 0.4940916 0.4970737 0.4980056 0.5 0.5020236 0.5037414 0.505294 0.5058553 0.50742 0.5086505 0.5129768 0.51317 0.51442 0.5150511 0.5160509 0.5183448 0.5201054 0.5206687 0.520846 0.5216857 0.5238102 0.5247185 0.5263242 0.5263727 0.5268111 0.5278935 0.5290065 0.52906 0.53136 0.53181 0.5324324 0.5327469 0.5346197 0.5357603 0.5369447 0.5386813 0.5398437 0.5408065 0.5467588 0.5467732 0.5486982 0.5498963 0.5518388 0.55379 0.5541286 0.554764 0.55866 0.5587093 0.5590909 0.5638714 0.56432 0.5645252 0.56639 0.5674968 0.5675678 0.5678474 0.5688614 0.5691676 0.5716385 0.5717589 0.57242 0.5724795 0.57256 0.5725726 0.57811 0.5786128 0.5787657 0.58126 0.581804 0.5838889 0.58451 0.5847364 0.587667 0.58837 0.5888813 0.590274 0.591665 0.59205 0.5926445 0.59303 0.5942786 0.5945411 0.5970703 0.59723 0.6007424 0.6010366 0.6044999 0.6069422 0.607783 0.6078252 0.6103002 0.6114835 0.6141021 0.6143651 0.6163579 0.6244448 0.6244623 0.6254436 0.6285172 0.6301279 0.6301748 0.6304168 0.6319406 0.6332369 0.63958 0.6416227 0.6453246 0.6458774 0.6489419 0.6495646 0.6524044 0.657 0.6582839 0.6596688 0.6602178 0.6602628 0.6626863 0.6627252 0.6636106 0.6646742 0.66483 0.6658444 0.6686764 0.67131 0.6733554 0.67347 0.6776533 0.6813121 0.6835454 0.6847218 0.6887647 0.692389 0.6948925 0.69525 0.69591 0.6989206 0.7001256 0.701851 0.7037396 0.70374 0.7043574 0.7061166 0.7075388 0.7076488 0.7078378 0.7079428 0.7080799 0.7091698 0.7102448 0.7104086 0.7122508 0.712983 0.7153344 0.7208224 0.72121 0.7216697 0.7220747 0.7221264 0.7246691 0.7250073 0.72543 0.7262663 0.72769 0.7281007 0.7315371 0.7341819 0.734391 0.7345098 0.7347226 0.7427641 0.7428623 0.7439373 0.743997 0.745927 0.7467337 0.7500162 0.75068 0.7519922 0.7528198 0.7548132 0.7568659 0.7573105 0.7596738 0.7636409 0.76512 0.7662351 0.7666935 0.7670202 0.7699919 0.7733096 0.7744414 0.77591 0.7778898 0.7784123 0.7791565 0.7813119 0.7829424 0.7832714 0.7843914 0.7846 0.7847286 0.785213 0.7853448 0.7869779 0.7873394 0.7903664 0.79105 0.7937375 0.7942576 0.79564 0.7969072 0.7982116 0.7998107 0.8015672 0.8029557 0.8054293 0.8055 0.8060453 0.8099819 0.8102338 0.81027 0.8112975 0.81366 0.81375 0.8156112 0.8158222 0.8169959 0.8179122 0.819127 0.8202247 0.8212284 0.8236473 0.824827 0.8273892 0.8293146 0.831677 0.8326981 0.8332285 0.83327 0.8345668 0.8357382 0.8368794 0.8369803 0.83755 0.8382112 0.8387227 0.8397439 0.8399015 0.84077 0.8435435 0.8444765 0.8455401 0.84671 0.8469918 0.8505 0.8517824 0.8520288 0.8529428 0.8529736 0.8531198 0.8562619 0.8585497 0.85864 0.8619365 0.862069 0.8621534 0.86231 0.8649566 0.8650635 0.8654354 0.8677686 0.867902 0.87207 0.8738273 0.87423 0.8793459 0.88063 0.8811183 0.881216 0.8812655 0.8813079 0.8914806 0.8920345 0.8931345 0.8953304 0.8971989 0.8998788 0.9010135 0.9019537 0.9023769 0.9024944 0.9030858 0.9051095 0.9080352 0.9103029 0.9103932 0.91048 0.9137056 0.9137262 0.91489 0.915578 0.9155874 0.9156569 0.9168027 0.9170272 0.9188948 0.9194886 0.9199665 0.920365 0.9205302 0.92121 0.9212771 0.9219839 0.9225 0.9225344 0.923646 0.9246696 0.9249045 0.9256402 0.9259171 0.92611 0.9293047 0.9296461 0.9306707 0.9318942 0.9326825 0.933862 0.944242 0.9454291 0.9569705 0.9571723 0.9583182 0.9590139 0.9596079 0.96403 0.9702824 0.9719788 0.97324 0.97439 0.9786619 0.9789 0.9829733 0.98351 0.9994983 1 Sysmiss Concentration Quintile dummy (top) Concentration Quintile dummy (top) Concentration Quintile dummy (top) Concentration Quintile dummy (top) Concentration Quintile dummy (top) 1260 162 1 Sysmiss Concentration Quintile dummy = 1 if concentration is in the top quintile Concentration Quintile dummy (2nd) Concentration Quintile dummy (2nd) Concentration Quintile dummy (2nd) Concentration Quintile dummy (2nd) Concentration Quintile dummy (2nd) 1260 162 1 Sysmiss Concentration Quintile dummy = 1 if concentration is in the 2nd quintile Concentration Quintile dummy (3rd) Concentration Quintile dummy (3rd) Concentration Quintile dummy (3rd) Concentration Quintile dummy (3rd) Concentration Quintile dummy (3rd) 1260 162 1 Sysmiss Concentration Quintile dummy = 1 if concentration is in the 3rd quintile Concentration Quintile dummy (4th) Concentration Quintile dummy (4th) Concentration Quintile dummy (4th) Concentration Quintile dummy (4th) Concentration Quintile dummy (4th) 1260 162 1 Sysmiss Concentration Quintile dummy = 1 if concentration is in the 4th quintile Concentration Quintile dummy (5th) Concentration Quintile dummy (5th) Concentration Quintile dummy (5th) Concentration Quintile dummy (5th) Concentration Quintile dummy (5th) 1260 162 1 Sysmiss Concentration Quintile dummy = 1 if concentration is in the 5th quintile Concentration Decile dummy (top) Concentration Decile dummy (top) Concentration Decile dummy (top) Concentration Decile dummy (top) Concentration Decile dummy (top) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the top decile Concentration Decile dummy (2nd) Concentration Decile dummy (2nd) Concentration Decile dummy (2nd) Concentration Decile dummy (2nd) Concentration Decile dummy (2nd) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 2nd decile Concentration Decile dummy (3rd) Concentration Decile dummy (3rd) Concentration Decile dummy (3rd) Concentration Decile dummy (3rd) Concentration Decile dummy (3rd) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 3rd decile Concentration Decile dummy (4th) Concentration Decile dummy (4th) Concentration Decile dummy (4th) Concentration Decile dummy (4th) Concentration Decile dummy (4th) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 4th decile Concentration Decile dummy (5th) Concentration Decile dummy (5th) Concentration Decile dummy (5th) Concentration Decile dummy (5th) Concentration Decile dummy (5th) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 5th decile Concentration Decile dummy (6th) Concentration Decile dummy (6th) Concentration Decile dummy (6th) Concentration Decile dummy (6th) Concentration Decile dummy (6th) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 6th decile Concentration Decile dummy (7th) Concentration Decile dummy (7th) Concentration Decile dummy (7th) Concentration Decile dummy (7th) Concentration Decile dummy (7th) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 7th decile Concentration Decile dummy (8th) Concentration Decile dummy (8th) Concentration Decile dummy (8th) Concentration Decile dummy (8th) Concentration Decile dummy (8th) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 8th decile Concentration Decile dummy (9th) Concentration Decile dummy (9th) Concentration Decile dummy (9th) Concentration Decile dummy (9th) Concentration Decile dummy (9th) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the 9th decile Concentration Decile dummy (10th) Concentration Decile dummy (10th) Concentration Decile dummy (10th) Concentration Decile dummy (10th) Concentration Decile dummy (10th) 1260 162 1 Sysmiss Concentration Decile dummy = 1 if concentration is in the bottom decile Concentration as defined in Barth, Caprio and Levine, 2001 Concentration as defined in Barth, Caprio and Levine, 2001 Concentration as defined in Barth, Caprio and Levine, 2001 Concentration as defined in Barth, Caprio and Levine, 2001 Concentration as defined in Barth, Caprio and Levine, 2001 900 522 0.12 0.136 0.208 0.251 0.3 0.304 0.3105 0.38 0.42 0.4559 0.475 0.5 0.5118 0.52 0.5287 0.55 0.56 0.594 0.62 0.6382 0.647 0.65 0.681 0.7 0.701 0.7053 0.725 0.733 0.735 0.74 0.75 0.757 0.7825 0.7843 0.7864 0.8 0.812 0.817 0.83 0.85 0.88 0.907 0.91 0.965 1 Sysmiss Share of deposits in largest five banks Initial Concentration Initial Concentration Initial Concentration Initial Concentration Initial Concentration 1260 162 0.21478 0.30795 0.419694 0.444182 0.4632 0.47926 0.48894 0.50742 0.53136 0.53462 0.55866 0.56432 0.57811 0.578613 0.58451 0.58837 0.59205 0.59303 0.657 0.67347 0.69591 0.72121 0.7428623 0.76512 0.79564 0.81366 0.83327 0.8517824 0.8529736 0.85864 0.87207 0.88063 0.910393 0.91489 0.9225 0.922534 0.92611 0.933862 0.9569705 0.9590139 0.9786619 0.9789 0.98351 1 Sysmiss Fraction of entry applications denied Fraction of entry applications denied Fraction of entry applications denied Fraction of entry applications denied Fraction of entry applications denied 774 648 0.003988 0.058824 0.066667 0.071429 0.0833333 0.111111 0.125 0.2 0.210526 0.214286 0.25 0.256098 0.259259 0.285714 0.3 0.333 0.333333 0.344828 0.470588 0.6 0.782609 0.85 0.857143 1 Sysmiss Activity Restrictions Activity Restrictions Activity Restrictions Activity Restrictions Activity Restrictions 1008 414 4 5 6 7 8 9 10 11 12 13 14 Sysmiss Required Reserves Required Reserves Required Reserves Required Reserves Required Reserves 792 630 0.675 2.5 3 5 5.5 6 7 7.5 10 12 15 15.2 17 18 20 20.5 25 30 34 43 Sysmiss Ratio of reserves required to be held by banks. Economic freedom Economic freedom Economic freedom Economic freedom Economic freedom 1368 54 1.9 1.91667 2.05 2.175 2.183333 2.3 2.35 2.4 2.416667 2.425 2.433333 2.45 2.55 2.566667 2.6 2.633333 2.683333 2.7 2.75 2.766667 2.786667 2.85 2.883333 2.9 2.93333 2.95 2.96667 3 3.033333 3.05 3.066667 3.1 3.116667 3.133333 3.2 3.233333 3.35 3.36667 3.4 3.416667 3.46667 3.5 3.533333 3.55 3.666667 3.66667 3.725 3.766667 3.833333 3.883333 3.9 3.916667 3.975 4.016667 4.05 4.075 4.1 4.15 4.2 4.266667 4.5 Sysmiss Composite of 10 institutional factors determining economic freedom: trade policy, fiscal burden of government, government intervention in the economy, monetary policy, capital flows and foreign investment, banking and finance, wages and prices, property rights, regulation, and black market activity. Individual factors are weighted equally to determine overall score of economic freedom. A high score signifies an institutional or consistent set of policies that are most conducive to economic freedom, while a score close to 1 signifies a set of policies that are least conducive. Averaged over 1995-97 period. Openness of banking and financial system Openness of banking and financial system Openness of banking and financial system Openness of banking and financial system Openness of banking and financial system 1368 54 1 2 2.33333 2.66667 3 3.3333 3.33333 3.66667 4 4.5 5 Sysmiss Indicator of relative openness of banking and financial system, specifically, whether the foreign banks and financial services firms are able to operate freely, how difficult it is to open domestic banks and other financial services firms, how heavily regulated the financial system is, the presence of state-owned banks, whether the government influences allocation of credit, and whether banks are free to provide customers with insurance and invest in securities (and vice-versa). The index ranges in value from 1 (very low – banks are primitive) to 5 (very high – few restrictions). Averaged over 1995-97 period. Governance Governance Governance Governance Governance 1404 18 -1 0.05 0.11 0.15 0.21 0.3 0.33 0.48 0.51 0.54 0.56 0.63 0.68 0.69 0.87 0.9 0.91 0.95 1.02 1.2 1.26 1.37 1.4 1.41 1.43 1.44 1.5 1.53 1.58 1.59 1.62 1.64 1.72 Sysmiss Composite of six governance indicators (1998 data): Voice and accountability, political stability, government effectiveness, regulatory quality, rule of law, and corruption. Individual factors are weighted equally to determine overall score of economic freedom. Higher values correspond to better governance outcomes. Generosity of deposit insurance Generosity of deposit insurance Generosity of deposit insurance Generosity of deposit insurance Generosity of deposit insurance 1422 -2 0.73098 1.16419 1.50784 1.54125 1.7096 1.90968 1.9269 2.0411 2.0914 2.2016 2.2234 2.3409 2.3468 2.4959 2.5228 2.7333 2.7368 2.7488 2.7682 2.8649 2.9134 2.9239 2.95 3.0193 3.0881 3.3342 3.3862 3.4103 3.4544 3.9762 Principal component indicator measuring the generosity of deposit insurance, based on co-insurance, coverage of foreign currency and interbank deposits, type and source of funding, management, membership and level of explicit coverage. British legal origin British legal origin British legal origin British legal origin British legal origin 1422 1 Dummy variable that takes the value 1 if the country has British legal origin and zero otherwise. French legal origin French legal origin French legal origin French legal origin French legal origin 1422 1 Dummy variables that takes the value 1 if the country has French legal origin and zero otherwise. German legal origin German legal origin German legal origin German legal origin German legal origin 1422 1 Dummy variable that takes the value 1 if the country has German legal origin and zero otherwise. Socialist legal origin Socialist legal origin Socialist legal origin Socialist legal origin Socialist legal origin 1422 Dummy variable that takes the value 1 if the country has Socialist legal origin and zero otherwise. Scandinavian legal origin Scandinavian legal origin Scandinavian legal origin Scandinavian legal origin Scandinavian legal origin 1422 1 Dummy variable that takes the value 1 if the country has Scandinavian legal origin and zero otherwise. Different language Different language Different language Different language Different language 1404 18 0.0025 0.00988 0.010831 0.0125 0.013333 0.023062 0.0275 0.029719 0.033212 0.038868 0.043755 0.050625 0.051429 0.0525 0.055796 0.063435 0.065037 0.066667 0.069884 0.070252 0.077778 0.090357 0.097359 0.105 0.106285 0.112797 0.145484 0.14757 0.163568 0.174074 0.190833 0.209031 0.209762 0.237778 0.27 0.3 0.307598 0.321529 0.325357 0.325747 0.327056 0.356949 0.363834 0.376188 0.3775 0.4091 0.431591 0.45 0.476667 0.546718 0.61037 0.622437 0.669275 0.6831 0.690568 0.706071 0.7085 0.723821 0.7284868 0.732914 0.742198 0.7598 0.778868 0.78037 0.796667 0.802727 0.8086 0.812957 0.826965 0.829398 0.830982 0.852046 0.85653 0.856709 0.890247 Sysmiss Probability that two randomly selected individuals in a country will not speak the same language Absolute value of the latitude Absolute value of the latitude Absolute value of the latitude Absolute value of the latitude Absolute value of the latitude 1422 0.0111 0.0136 0.0222 0.0256 0.0367 0.0444 0.0556 0.0667 0.0778 0.0889 0.0899 0.0922 0.1 0.1033 0.1111 0.1222 0.1444 0.1476 0.1478 0.15 0.1556 0.1667 0.17 0.1778 0.1889 0.1906 0.2017 0.2111 0.2222 0.2241 0.2444 0.2556 0.2889 0.2922 0.3 0.3111 0.3222 0.3256 0.3333 0.3444 0.3478 0.3667 0.3778 0.3889 0.4 0.4111 0.4222 0.4333 0.4556 0.4722 0.5111 0.5222 0.5244 0.5611 0.5667 0.5811 0.5889 0.6 0.6222 0.6667 0.6889 0.7111 Absolute value of the latitude of a country, scales between zero and one. Catholic Catholic Catholic Catholic Catholic 1422 0.1 0.2 0.3 0.4 0.6 0.7 0.8 1 1.1 1.3 1.4 1.7 1.9 2.2 2.7 2.8 3.9 4.7 5.6 6.8 9 9.4 9.6 10.4 10.8 12.1 13.1 18 18.5 18.7 26.2 26.4 27.6 28.2 29.3 29.6 30 31.2 32.8 35 42.6 43.5 46.6 52.8 53.9 59.5 65.2 66.8 76.4 78.3 82.1 83.2 84.1 85 88.8 89.3 90 94 94.1 94.7 94.8 95.1 95.3 95.8 96.2 96.4 96.6 Variables that capture the percentage of population that is Catholic. Variables range from 0 to 100. Muslim Muslim Muslim Muslim Muslim 1422 0.02 0.1 0.2 0.3 0.4 0.6 0.8 0.9 1 1.1 1.3 1.4 1.5 3 3.9 4.3 4.5 6 7.2 8 9 11.6 15.2 15.7 16.2 16.4 17 17.4 18.5 22 24 32.5 39.4 43 43.4 45 49.4 69 80 81.8 84.8 87.9 91 93 95 99.2 99.4 Variables that capture the percentage of population that is Muslim. Variables range from 0 to 100. Protestant Protestant Protestant Protestant Protestant 1422 3.06e-06 0.1 0.1000001 0.1000007 0.1999969 0.1999977 0.1999996 0.1999999 0.3 0.3999974 0.4 0.4000015 0.4000038 0.6000016 0.8999996 0.9 0.9000016 0.9999971 1.099997 1.1 1.100001 1.200003 1.399997 1.400002 1.599998 1.899998 1.900002 2.399998 2.400003 2.599997 2.599998 2.700001 2.8 3.800001 4.700001 4.8 4.899997 4.9 5.2 6.100002 6.499997 11.2 12.2 13.2 15.8 16.1 18 18.1 18.8 19.3 23.5 24.9 25.8 26.8 29.6 29.8 31.5 31.9 33.9 37.9 39 42.4 43.2 43.6 46.4 55.5 58.4 68.4 93.1 95.2 97.8 Variables that capture the percentage of population that is Protestant. Variables range from 0 to 100. Other religion Other religion Other religion Other religion Other religion 1422 0.3 0.5 0.7 1.1 1.4 1.5 1.7 1.8 2 2.2 2.3 3.3 3.6 3.7 4 4.1 4.2 4.8 5 5.3 6.8 7.8 8.5 8.8 9.3 11.9 12.9 14 15.2 15.9 16 16.3 17.8 18.2 18.58 19.1 20 20.8 23.2 24.7 24.9 25.6 26.7 27.1 28.1 29.8 30.1 34.8 38.6 39.8 41.6 43.4 46.4 46.7 47.6 48.3 49.1 49.3 51.5 52.8 53.6 55 55.2 63.5 63.8 69.4 75.3 79.6 83.9 85.6 86 90.8 95.5 97 98 98.5 Variables that capture the percentage of population that is not Catholic, Muslim or Protestant. Variables range from 0 to 100. Capital Regulatory Index Capital Regulatory Index Capital Regulatory Index Capital Regulatory Index Capital Regulatory Index 972 450 2 3 4 5 6 7 8 Sysmiss Summary measure of capital stringency: sum of overall and initial capital stringency. Higher values indicate greater stringency. Real GDP Real GDP Real GDP Real GDP Real GDP 1408 14 Real GDP in US Dollars Nb of banks Nb of banks Nb of banks Nb of banks Nb of banks 1008 414 3 4 5 6 7 9 11 13 14 16 17 19 20 21 22 24 26 28 30 33 34 51 52 53 55 57 60 62 64 84 103 121 138 165 191 294 359 400 452 800 921 971 3220 10500 Sysmiss Number of banks in the banking system Member of G10 Member of G10 Member of G10 Member of G10 Member of G10 1422 1 Dummy variable indicating that country is a member of G10 Herfindahl Index measure Herfindahl Index measure Herfindahl Index measure Herfindahl Index measure Herfindahl Index measure 1259 163 0.0143957 0.0327018 0.0336294 0.0483957 0.0534278 0.0628681 0.0658093 0.067905 0.0684224 0.075093 0.0759569 0.0832227 0.0836998 0.0898195 0.0945547 0.0980621 0.0999883 0.1006524 0.1014868 0.1036352 0.1064418 0.116623 0.1270828 0.13317 0.1344347 0.1413167 0.1651225 0.166529 0.173873 0.1743355 0.1762063 0.1958619 0.2140592 0.2145744 0.2222822 0.2365911 0.2440646 0.2547849 0.2555392 0.2669007 0.2718892 0.2723165 0.2744566 0.2852795 0.2854463 0.2898436 0.2907669 0.3042568 0.3051765 0.3086813 0.3157959 0.3168538 0.322658 0.3296524 0.3341163 0.3348349 0.347501 0.3496555 0.3657841 0.3713995 0.382166 0.3844917 0.4236174 0.4443518 0.4672557 0.4872227 0.4954921 0.5170778 0.6098843 0.7278893 Sysmiss Average Herfindahl Index Average Herfindahl Index Average Herfindahl Index Average Herfindahl Index Average Herfindahl Index 1422 0.0095918 0.0194296 0.023752 0.0308996 0.0342178 0.0428026 0.0565048 0.0636045 0.0666625 0.0752281 0.0756708 0.0760581 0.0763911 0.0782957 0.0793601 0.0797995 0.0814964 0.083406 0.0872101 0.0897773 0.0930377 0.0999243 0.1110135 0.1162062 0.1183886 0.1192987 0.1208723 0.1225177 0.1241866 0.1247827 0.1268278 0.1336474 0.1378091 0.1509374 0.1525683 0.1612886 0.1794755 0.1818764 0.2012495 0.2275811 0.2521454 0.2647845 0.271649 0.2757938 0.2775131 0.2821292 0.3011411 0.3057901 0.3162523 0.3238046 0.3347243 0.3504002 0.3604811 0.3716149 0.372636 0.376791 0.3799262 0.4160401 0.4221128 0.4504013 0.4508792 0.4811896 0.5677063 0.6074588 0.6119015 0.6317354 0.6440403 0.6441603 0.6470562 0.6769338 0.7034467 0.7534213 0.7670281 0.901009 0.9308066 0.945258 1 Share of banks majority-owned by foreigners Share of banks majority-owned by foreigners Share of banks majority-owned by foreigners Share of banks majority-owned by foreigners Share of banks majority-owned by foreigners 810 612 1.6 1.8 4.2 4.7 4.93 5 5.1 5.2 5.9 6 7 7.6 7.8 8.3 8.5 10.9 11.7 12.5 12.79 16 17.1 18 19.9 25.8 28.04 32 33.72 35 38.33 40.4 44 49 50 54.3 64 68 76.41 97.61 99 Sysmiss Share of banks majority-owned by the government Share of banks majority-owned by the government Share of banks majority-owned by the government Share of banks majority-owned by the government Share of banks majority-owned by the government 900 522 1.1 1.15 2.39 2.5 3.3 3.7 4.1 4.87 5.9 7 7.61 11.56 11.7 12.12 13 15 17 19 20 20.8 21.9 23 25 29.7 30.67 35 37.9 42 44 48.9 51 55 56 63 66.6 80 Sysmiss Total banking assets divided by nb of banks Total banking assets divided by nb of banks Total banking assets divided by nb of banks Total banking assets divided by nb of banks Total banking assets divided by nb of banks 857 565 162903.72 182343.04 203611.21 216238.01 219078.4 225646.54 266242.82 278873.55 306622.63 450127.56 1103203.6 1731868.3 3298246 5538295.5 5779916.5 11608624 14838517 16293476 36129628 37886555 46548731 47030629 47244785 51094377 56519511 60692672 67586483 72671929 74223453 79277517 79630761 80780288 83283729 85908012 88941443 96084788 96864527 98849296 100000000 104000000 105000000 106000000 110000000 122000000 125000000 134000000 143000000 154000000 178000000 179000000 184000000 189000000 199000000 200000000 202000000 203000000 205000000 216000000 218000000 221000000 224000000 227000000 230000000 231000000 232000000 233000000 234000000 235000000 236000000 238000000 245000000 249000000 250000000 252000000 259000000 260000000 261000000 262000000 264000000 265000000 273000000 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394000000000 435000000000 436000000000 Sysmiss Principal component indicator of 14 dummy variables Principal component indicator of 14 dummy variables Principal component indicator of 14 dummy variables Principal component indicator of 14 dummy variables Principal component indicator of 14 dummy variables 768 654 -3 -2 -1 0.0521671 0.0941917 0.3752627 0.3769313 0.4928652 0.5898464 0.6143988 0.7208057 0.7320012 0.7410425 0.7689602 0.8239167 0.899203 0.9538119 0.9958366 1.001966 1.131862 1.137991 Sysmiss 1.Does the supervisory agency have the right to meet with external auditors to discuss their report without the approval of the bank? 2.Are auditors required by law to communicate directly to the supervisory agency any presumed involvement of bank directors or senior managers in elicit activities, fraud, or insider abuse? 3.Can supervisors take legal action against external auditors for negligence? 4.Can the supervisory authority force a bank to change its internal organizational structure? 5.Are off-balance sheet items disclosed to supervisors? 6. Can the supervisory agency order the bank's directors or management to constitute provisions to cover actual or potential losses? 7. Can the supervisory agency suspend the directors' decision to distribute: a) Dividends? b) Bonuses? c) Management fees? 8.Can the supervisory agency legally declare-such that this declaration supersedes the rights of bank shareholders-that a bank is insolvent? 9.Does the Banking Law give authority to the supervisory agency to intervene that is, suspend some or all ownership rights-a problem bank? 10.Regarding bank restructuring and reorganization, can the supervisory agency or any other government agency do the following: a) Supersede shareholder rights? b) Remove and replace management? c) Remove and replace directors? Cashflow Cashflow Cashflow Cashflow Cashflow 601 821 0.17 0.4 1.11 5.33 8.67 8.68 9 11.2 13.8 16.5 17.11 17.67 18 23 24 27 27.13 29 29.1 30.6 31.5 33 40 40.33 40.5 43 52 57 58 58.71 72.63 Sysmiss Fraction of a bank's total cashflow right, held by each bank's main owner, averaged over each country's banks Bank prohibited from making loans abroad Bank prohibited from making loans abroad Bank prohibited from making loans abroad Bank prohibited from making loans abroad Bank prohibited from making loans abroad 804 618 1 Sysmiss Dummy variable that takes value one if banks are prohibited from making loans abroad, zero otherwise