Nivo koncentracije u bankarskoj industriji u zemljama centralne i istočne Evrope
Sažetak
Cilj rada je da se na bazi empirijskog istraživanja utvrdi da li postoji veza između nivoa koncentracije i konkurencije u bankarskom sektoru devet izabranih zemalja Centralne i Istočne Evrope (CEE): Srbija, Hrvatska, Bosna i Hercegovina, Crna Gora, Makedonija, Bugarska, Rumunija, Mađarska i Albanija. Merenje koncentracije je izvršeno primenom racio koncentracije za pet najvećih banaka (CR5) i Herfindal-Hiršmanov indeks (HH indeksa) za vremenski period 2007-2012. godine za sledeće bilansne pozicije banaka: aktiva, odobreni krediti i prikupljeni depoziti. Na osnovu sagledavanja dobijenih rezultata, empirijsko istraživanje je pokazalo da ne postoji veza između nivoa koncentracije i nivoa konkurencije. Takođe, utvrđeno je da je bankarsko tržište posmatranih zemalja umereno do visokokoncentrisano prema CR5 indeksu (vrednosti indeksa se kreću od 46% do 85% za posmatrana tri bilansne pozicije), odnosno nekoncentrisano do srednje koncentrisano prema HHI (vrednosti indeksa se kreću od 559 do 2070 poena).
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