... 2002, Bank concentration and retail interest rates, Journal of Banking and Finance, 26(11), 2155-2189. Cottarelli, C. and A. Kourelis, 1994, Financial structure, bank lending rates, and the transmission ... Commercial bank net interest margins, default risk, interest- rate risk, and off-balance sheet banking, Journal of Banking and Finance, 21, 55-87. Angeloni, I. and M. Ehrmann, 2003, Monetary transmission ... typically examines the link between bank interest rate margins and the market structure of the banking system (micro financial structure) using bank data (Hannan and Berger, 1991, Neumark and Sharpe,...