  The main objective of this paper is to Identify which macroe conomic factors
and industrial indexes influenced the total Brazilian banking spread between
March 2011 and March 2015. This paper considers subclassification of industrial
activities in Brazil. Monthly time series data were used in multivariate linear
regression models using Eviews (7.0). Eighteen variables were considered as
candidates to be determinants. Variables which positively influenced bank
spread are; Default, IPIs (Industrial Production Indexes) for capital goods,
intermediate goods, du rable consumer goods, semi-durable and non-durable
goods, the Selic, GDP, unemployment rate and EMBI +. Variables which influence
negatively are; Consumer and general consumer goods IPIs, IPCA, the balance of
the loan portfolio and the retail sales index. A p-value of 05% was considered.
The main conclusion of this work is that the progress of industry, job creation
and consumption can reduce bank spread. Keywords: Credit. Bank spread.
Macroeconomics. Industrial Production Indexes. Finance.
