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THE EFFECTS OF THE COMPETITION IN THE ROMANIAN BANKING SYSTEM  [PDF]
OVIDIU STOICA,BOGDAN C?PRARU
Scientific Annals of the Alexandru Ioan Cuza University of Iasi : Economic Sciences Series , 2007,
Abstract: The present study is structured as follows: in section 1, it is enhanced the gap and in the same time the potential to growth in the Romanian banking system, compared with the EU ones; it is analysed the impact of EU integration on bank products’ prices, taking into account the two approaches concerning the evaluation of the competition: the Structure-Conduct-Performance Hypothesis” (SCP) and the Efficient Structure Hypothesis” (ESH); it is approached the competition problem in the Romanian banking system, as result of the integration process, including aspects concerning the marketing strategies, the corporate and retail banking and the financial non-bank institutions.
THE ROMANIAN BANKING COMPETITION AND THE ACCESSION TO EU  [PDF]
Bogdan Capraru
Annals of the University of Oradea : Economic Science , 2010,
Abstract: In this study we try to assess banking competition in the Romania for 2001 – 2008, taking into account the evolution of market share of the top five, Herfindahl-Hirschman Index (HHI), performances indicators like ROA and ROE and evolutions of deposit and loans rates. We observed that the competition in the Romanian banking system increases continuously in the last years. The main factors which have influenced this process were: the privatization of the majority of state capital banks and the perspective of accession of our country in the EU. In the period assessed, there are two approaches: in the first period banks have had very good performances due to their market share in a low competitive banking environment and after the privatization of some state capital banks, the leader of the market lost market share in the favor of other bank with greater performances.
Recent evidence on concentration and competition in Turkish banking sector
Fatih MACIT
Theoretical and Applied Economics , 2012,
Abstract: In this paper I investigate the concentration and competition in the Turkish banking sector by looking at the recent empirical evidence that covers the period from 2005 to 2010. I look at concentration indicators for different balance sheet items including total assets, loans, and deposits. I find that the degree of concentration did not show a big change since 2005; in fact for some balance sheet items it decreased. Besides that, using Panzar and Rosse's methodology, I look at the competition in Turkish banking sector during this period. I find that the Turkish banking sector is characterized by monopolistic competition and the degree of competition has decreased over the relevant period.
Testing for Competition in the Nigerian Commercial Banking Sector  [PDF]
Rufus Adebayo Ajisafe, Anthony Enisan Akinlo
Modern Economy (ME) , 2013, DOI: 10.4236/me.2013.47054
Abstract:

The study determined the degree of competition in the banking sector between 1990 and 2009 using Panzar and Rosse (PR) methodology. The data for the study were obtained from the annual reports and statement of accounts of fifteen commercial banks in Nigeria which were purposively selected for the study. The data collected were analysed using dynamic panel generalised method of moment estimation technique with fixed effect. The results of the analysis showed that the Nigerian commercial banks were characterised by monopolistic competition with H-statistic significantly different from zero for all sample periods and sub-sample periods. The value of H-statistic ranged between 0.0925 and 0.1168. The study concluded that the banking industry in Nigeria exhibited monopolistic competition which supports the results obtained from previous studies in the developed economies.

Structural and Qualitative Analysis of the Romanian Banking System  [PDF]
Anisoara Niculina APETRI,Iuliana Oana MIHAI,Camelia Catalina MIHALCIUC
Annals of Dun?rea de Jos University. Fascicle I : Economics and Applied Informatics , 2010,
Abstract: The banking sector, the predominant component of the Romanian financial system, had a relatively stable structure in the period 2005-2009 and has experienced significant consolidation, particularly in the years 2005-2006, this being sustained mainly by the restructuring and privatization process, but also by Romania's EU accession perspective and the competitive environment in this area. Given the new status of Romania as EU member country, the competition in the banking system has increased significantly, leading to both structural changes, but also to changes in levels of analysis indicators of banking structure and performance. Following this analysis, it appears that, recently, our country's banking system saw a dynamic and unprecedented diversification resulting from the economic development of the society and adaptation to EU requirements, and we can say that in Romania there is, now, a modern and competitive banking system, which provides circulation of the domestic economy and provides banking products and services in accordance with trends in the European banking sector.
THE CORRELATION BETWEEN THE MARKET RISK AND THE LIQUIDITY RISK IN THE ROMANIAN BANKING SECTOR  [PDF]
Trenca Ioan,Zoicas-Ienciu Adrian
Annals of the University of Oradea : Economic Science , 2010,
Abstract: A series of studies on liquidity management have appeared during the financial crisis, many of them comparing the funding liquidity with the market liquidity. The paper offers a dynamic image about the liquidity in the Romanian banking sector and its integration with the market risk, comparing the Value at Risk approach with the Liquidity at Risk approach. The research also wants to highlight the most significant features to consider in order to implement an effective liquidity risk management and to achieve a more integrated supervisory framework.
EARLY WARNING SYSTEM FOR THE ROMANIAN BANKING SECTOR: THE CAAMPL APPROACH  [PDF]
Albulescu Claudiu Tiberiu,Coroiu Sorina Ioana
Annals of the University of Oradea : Economic Science , 2009,
Abstract: In the present study we intend to build an early warning system based on the banking ratings’ deterioration, by means of the CAAMPL method. This technique supposes to identify the credit institutions the most exposed to risks. The analyzed period for the
Perfection of the Legislative Base of Regulation of the Banking Competition in Ukraine Усовершенствование законодательной базы регулирования банковской конкуренции в Украине  [PDF]
Khallo Viktor F.
Business Inform , 2013,
Abstract: The article considers contents of regulatory and legal acts that identify banking competition, substantiates the role of the legislative base in development of economic competition in the banking sector and in formation of legal mechanisms of creation of a competitive environment in the banking business in Ukraine. It shows the system of legal regulation of banking competition in foreign countries, conducts a critical analysis of the legislation that regulates competition in the market of banking services in Ukraine, considers legal regulation of competition in the banking sphere in the regional markets, and identifies main tasks of perfection of the banking legislation with respect to regulation of banking competition. В статье рассмотрено содержание нормативно-правовых актов, определяющих банковскую конкуренцию, обоснована роль законодательной базы в развитии экономической конкуренции в банковском секторе и в формировании правовых механизмов создания конкурентной среды в банковском бизнесе в Украине. Отражена система правового регулирования банковской конкуренции в зарубежных странах, осуществлен критический анализ законодательства, регулирующего конкуренцию на рынке банковских услуг в Украине, рассмотрено правовое регулирование конкуренции в банковской сфере на региональных рынках, определены основные задания усовершенствования банковского законодательства относительно регулирования банковской конкуренции.
COMPETITION IN THE BANKING SYSTEM OF REPUBLIC OF MOLDOVA  [PDF]
Enicov Igor,Chetraru Aliona
Annals of the University of Oradea : Economic Science , 2011,
Abstract: The banking system is one of the financial market segments which plays an important role in the financial circuit both at the country level and as a component of the international financial system. Developing a competitive banking system allows to avoid monopoly situations creating the possibility for each bank to be oriented to a certain range of services and products provided willing to increase continuously their quality and attractiveness. The dynamic analysis of effective competition in the domestic banking system would allow determination of factors with negative influence on the rate of participation of each bank in the total bank portfolio items, and also the possibility of reviewing the financial policies pursued in the banking sector. Study of bank system competition is a topic of interest both for financial analysts, and for authorities, given the opportunities arising: qualitative assessment of competition in the banking sector, verifying in which way the regulations in force have influenced the dynamics of competition, measuring the intensity of competition in the banking sector, detection, based on statistical analysis of competitive situation, of the main qualitative types (categories) of financial institutions active in the financial market. Moldova's banking system, according to the results obtained by analyzing the competition, has a moderate competition, even if it is obvious its increasing trend. Banking policies, trends in international financial markets, internationalization of capital markets affect the position of the banking system on domestic financial market, implicitly calculating the contribution of each bank in the formation of the portfolio: bank assets, total regulatory capital, the volume of loans and deposits.
Market Power in the Czech Banking Sector
?epková Iveta
Journal of Competitiveness , 2012,
Abstract: This paper estimates the market power in the Czech banking sector during the period 2000 2010. In order to measure the degree of market power in the Czech banking sector, the authors used the Lerner index, the Herfindahl-Hirschman index and the concentration ratio. The Lerner index is applied to data from 15 banks, which covers about 90% of the Czech banking market. The paper describes the theoretical framework of the competition, especially the Lerner index and measures of concentration. Authors also compute separate Lerner index for the Czech credit market and the Czech deposit market. The estimations of the Lerner index do not confirm either monopoly or perfect competition structure in the Czech banking sector over the period analyzed. The competition decreased in the period 2000-2005 which was affected by the decrease in the price of funds and capital. However, the competition increased in the period 2005-2010, and it was influenced by the increase in the price of funds and capital. From the value obtained from the Lerner index, it was found that the lowest competition was in the deposit market.
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