Table 2
Main banks’ balance sheet items as a percentage of the total assets according to bank size
|
6 largest banks |
4 medium size |
8 smallest banks | |||||||
|
1992 |
1995 |
1998 |
1992 |
1995 |
1998 |
1992 |
1995 |
1998 | |
|
Assets | |||||||||
|
Credit to private non- |
42.0 |
36.6 |
38.0 |
46.9 |
53.2 |
65.1 |
46.0 |
31.5 |
24.0 |
|
Domestic money |
2.2 |
3.4 |
5.8 |
2.5 |
3.0 |
0.8 |
3.8 |
2.9 |
0.9 |
|
Government |
20.5 |
13.8 |
6.0 |
10.7 |
8.0 |
1.9 |
10.8 |
13.8 |
5.0 |
|
Deposits in foreign MFIs_____________ |
5.4 |
15.1 |
11.2 |
8.4 |
10.1 |
10.1 |
9.9 |
12.7 |
7.8 |
|
Liabilities | |||||||||
|
Deposits of private |
66.8 |
57.1 |
44.0 |
62.5 |
62.4 |
57.1 |
41.0 |
27.5 |
12.3 |
|
Domestic money |
1.7 |
3.0 |
5.1 |
2.7 |
4.1 |
3.6 |
11.4 |
6.1 |
2.7 |
|
Capital |
9.5 |
7.8 |
6.3 |
9.1 |
8.3 |
6.0 |
11.2 |
5.3 |
1.5 |
|
Deposits of foreign MFIs_____________ |
5.2 |
11.4 |
15.0 |
8.9 |
9.1 |
13.7 |
15.4 |
20.5 |
20.9 |
According to data in Table 2 the credit share is the highest for banks of medium size
and the smallest for the small size banks. In turn, the deposit share is larger in
large/medium banks and decreased in all types of banks. The proportion of assets invested
in government securities is on average larger for large banks but it has decreased rapidly
in all banks from 1995 to 1998. Larger banks have been net creditors in the domestic
money market while smaller banks have been net debtors. In the international money
market, large and medium size banks were net creditors in 1995 but they became net
debtors in the most recent years. Smaller banks reinforced their debtor position.
Data on Table 3 shows that the credit share diminishes when liquidity increases (as
one would expect) but there is no regularity in the deposits share according to the liquidity
ratio. Also, there seems not to be any regularity concerning the weight of foreign money
market operations or the weight of investment in government securities in total assets
according to the liquidity ratio, during the sample period.
21