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Concentration and Competition

In: Banking Reforms in India

Author

Listed:
  • T. R. Bishnoi

    (The Maharaja Sayajirao University of Baroda)

  • Sofia Devi

    (The Maharaja Sayajirao University of Baroda)

Abstract

It is an overview of Indian banking market structure and analysis of competitionCompetition for a quarter century since 1991 in view of persistent public sector dominance governing market for more than a half-century. For this purpose, concentrationConcentration and degree of competition are examined by the structural and non-structural methodsNon-structural methods to find out the underlying market structure of the banks. The k-firm concentration ratiosConcentration k-firm concentration ratios and Herfindhal-Hirschman Index (HHIConcentration HHI ) are estimated to find out concentration and implied degree of competition in the banking sector. Further, competitive behaviour of the banks is also tested by using the non-structural Panzar-Rosse (P-R) Model. The study covers almost a quarter century of post-reform period from 1991–1992 to 2014–2015. The results of the k-firm concentration ratiosConcentration k-firm concentration ratios and HHIConcentration HHI values indicated the presence of oligopolistic condition in Indian banking for these years. Further, the H-statistic values of 0.56 lend support to the above conclusion.

Suggested Citation

  • T. R. Bishnoi & Sofia Devi, 2017. "Concentration and Competition," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Banking Reforms in India, chapter 0, pages 91-120, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-319-55663-5_4
    DOI: 10.1007/978-3-319-55663-5_4
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