Avaliação do Processo de Concentração-Competição no Setor Bancário Brasileiro

Marcos Silva

No 377, Working Papers Series from Central Bank of Brazil, Research Department

Abstract: This paper assesses the evolution of the bank credit market concentration process in Brazil. We use an unbalanced panel data that covers the period from 2000 to 2013, with data from the banking segment’s active conglomerates and isolated financial institutions. This study empirically investigates how concentration is affected by competition in four major types of credit, by estimating the Panzar-Rosse model’s H-statistic and the Boone model’s Indicator. The results support the thesis that the process of concentration occurred recently in the country is mostly explained by an increased competition among large banks. Our results also suggest that the Brazilian banking industry operates in monopolistic competition and that, even in highly concentrated market segments, there is a significant evidence of competition.

Date: 2014-12
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