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Konkurencja w sektorze bankowym w Polsce – analiza statystyki H Panzara-Rosse’a. (Competition between commercial banks in Poland – an analysis of Panzar-Rosse H-statistics.)

Author

Listed:
  • Filip Switala

    (Wydzial Zarzadzania, Uniwersytet Warszawski)

  • Malgorzata Olszak

    (Wydzial Zarzadzania, Uniwersytet Warszawski)

  • Iwona Kowalska

    (Wydzial Zarzadzania, Uniwersytet Warszawski)

Abstract

This paper aims to find out how intense the competition between Polish commercial banks is in the loan market. Using Panzar–Rosse H-statistics and employing several estimation techniques (GLS, one-step GMM and two-step GMM), we find that this intensity is sensitive to the estimator applied. Upon the analysis of results, it can be concluded that competition evolved differently over the years in Poland. In some years, competition was rather high as the H-statistic reached the level of 0.75, which is relatively close to perfect competition. In other years, it gradually decreased reaching its lowest value in 2010, and showed an upward trend in 2011 and 2012. Generally, the values of our competitive environment measure indicate monopolistic competition in Poland.

Suggested Citation

  • Filip Switala & Malgorzata Olszak & Iwona Kowalska, 2014. "Konkurencja w sektorze bankowym w Polsce – analiza statystyki H Panzara-Rosse’a. (Competition between commercial banks in Poland – an analysis of Panzar-Rosse H-statistics.)," Problemy Zarzadzania, University of Warsaw, Faculty of Management, vol. 12(48), pages 64-92.
    • Handle: RePEc:sgm:pzwzuw:v:12:i:48:y:2014:p:64-92
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    More about this item

    Keywords

    competition intensity; marginal costs; contestability; banking industry;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • L1 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance
    • L16 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Industrial Organization and Macroeconomics; Macroeconomic Industrial Structure

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