# **Table 7a: Contributing factors to net interest margin, East Asia & Pacific Comparisons, 2005-14**

|[1]<br>Net interest<br>(v.s. worl|margin<br>d)<br>[2] Economy|[3]<br>Size of<br>operations<br>|[4]<br>Risk aversion|[5]<br>Overhead|[6]<br>Reserve<br>opportunity cost|[7]<br>Credit risk|[8]<br>Income<br>diversification|[9]<br>Inflation<br>|[10]<br>Interest rate risk|[11]<br>Competition|[12]<br>Information<br>environment|[13]<br>Creditor rights|[14]<br>Contract<br>enforcement|[15]<br>Other factors|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
||1.45 Cambodia|-0.318|0.494|0.250|0.637|0.008|-0.087|-0.006|-0.020|0.008|0.006|-0.004|0.074|0.405|
||-0.62 China|0.188|-0.247|-0.243|0.018|-0.009|0.755|-0.086|-0.021|0.022|-0.001|0.015|0.007|-1.022|
||-1.63 Hong Kong SAR, China|0.016|0.188|-0.215|-0.077|-0.033|-0.111|-0.095|-0.007|-0.058|-0.003|-0.020|-0.122|-1.092|
||1.68 Indonesia|-0.011|-0.060|0.239|-0.237|-0.012|0.456|0.098|0.010|0.018|-0.001|0.014|0.030|1.135|
||-0.81 Malaysia|0.105|-0.144|-0.244|0.796|0.009|-0.373|-0.097|-0.016|-0.091|-0.004|-0.023|-0.004|-0.719|
||2.13 Mongolia|-0.316|-0.020|0.276|0.011|0.016|0.237|0.204|0.064|0.088|0.002|0.004|0.060|1.508|
||0.65 Philippines|0.016|-0.128|0.274|-0.258|0.037|-0.277|-0.019|-0.008|-0.057|0.004|0.019|0.088|0.961|
||-1.74 Singapore|0.099|-0.043|-0.187|-0.063|-0.004|-1.285|-0.094|-0.012|0.088|0.000|-0.021|-0.147|-0.067|
||-0.78 Thailand|0.239|0.028|-0.072|-0.498|0.012|0.359|-0.085|-0.008|0.034|-0.003|0.015|-0.044|-0.754|
||-0.34 Vietnam|-0.018|-0.067|-0.078|-0.328|-0.025|0.326|0.181|0.018|-0.052|0.000|0.000|0.058|-0.356|

_Note_ : See note for Table 6a. The bars indicate relative distances from group averages (see Table 6b), with the left and right sides of the cell representing minimum and maximum values across countries.

# **Table 7b: Contributing factors to net interest margin, Europe & Central Asia Comparison, 2005-14**

|[1]<br>Net interest margin<br>(v.s. world)<br>[2] Economy|[3]<br>Size of<br>operations|[4]<br>Risk aversion|[5]<br>Overhead|[6]<br>Reserve<br>opportunity cost|[7]<br>Credit risk|[8]<br>Income<br>diversification|[9]<br>Inflation<br>Int|[10]<br>erest rate risk|[11]<br>Competition|[12]<br>Information<br>environment|[13]<br>Creditor rights|[14]<br>Contract<br>enforcement|[15]<br>Other factors|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|-1.71 Albania|-0.033|-0.155|-0.636|0.000|-0.008|0.867|-0.143|-0.024|-0.004|-0.001|-0.013|-0.013|-1.546|
|1.56 Armenia|-0.166|0.325|-0.206|0.226|-0.056|0.379|-0.024|0.003|0.017|-0.004|0.007|-0.004|1.060|
|2.09 Azerbaijan|-0.064|0.058|-0.159|0.045|0.009|0.268|0.023|-0.026|0.055|0.000|0.017|-0.012|1.876|
|2.09 Belarus|0.011|0.154|0.575|0.059|-0.018|-0.801|0.291|0.036|-0.008|0.000|0.030|0.047|1.715|
|-0.65 Bosnia and Herzegovina|-0.036|0.056|-0.315|0.444|0.014|0.036|-0.146|-0.034|-0.009|-0.002|0.010|-0.001|-0.663|
|-1.40 Bulgaria|0.116|-0.150|-0.556|-0.047|-0.013|0.220|-0.057|-0.030|0.024|-0.002|-0.014|0.007|-0.895|
|-2.02 Croatia|0.032|-0.125|-0.469|0.011|0.019|0.367|-0.143|0.012|0.013|0.000|0.002|0.015|-1.756|
|-2.69 Cyprus|0.233|-0.326|-0.013|-0.456|0.036|0.229|-0.186|-0.031|0.021|0.005|-0.009|-0.101|-2.086|
|3.31 Georgia|-0.084|0.175|0.248|0.105|0.010|0.299|-0.016|0.012|0.017|-0.002|-0.002|0.011|2.537|
|2.80 Kyrgyz Republic|-0.279|0.060|0.042|-0.102|-0.017|0.008|0.118|0.021|0.089|0.005|-0.011|0.004|2.866|
|-3.45 Lithuania|0.157|-0.259|-0.676|-0.260|-0.017|-0.390|-0.094|-0.030|-0.011|-0.006|0.010|-0.038|-1.833|
|-0.34 Macedonia, FYR|-0.087|0.077|-0.310|0.421|0.046|0.301|-0.144|-0.030|0.011|-0.001|0.005|-0.019|-0.611|
|0.84 Moldova|-0.173|0.300|0.123|0.118|-0.012|-0.489|0.114|0.045|0.014|0.010|-0.009|0.015|0.779|
|-0.50 Montenegro|-0.048|-0.002|-0.198|0.120|-0.003|0.032|-0.089|-0.030|-0.141|0.001|-0.023|-0.028|-0.092|
|-0.64 Romania|0.160|-0.146|-0.171|0.274|0.009|-0.105|-0.013|0.015|-0.013|-0.003|-0.014|0.023|-0.655|
|0.59 Russian Federation|-0.198|0.127|3.329|-0.465|0.017|-1.913|0.148|0.017|-0.054|-0.001|0.014|-0.020|-0.411|
|-0.45 Turkey|0.356|-0.113|-0.454|-0.364|-0.042|0.621|0.120|0.012|-0.015|-0.003|0.015|0.039|-0.623|
|0.56 Ukraine|0.104|-0.056|-0.155|-0.128|0.027|0.070|0.241|0.063|-0.006|0.005|-0.015|0.074|0.338|

_Note_ : See note for Table 7a.

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