The aim of the study is to estimate the level of competition and concentration in the Polish banking sector in 1997 …) have been used for the evaluation of competition. Concentration in the Polish banking industry was analysed by using … concentration indices (k bank concentration ratios (CR5) and the Herfindahl-Hirschman indices (HHI)).Empirical analysis shows that …

Both the country experiences and the academic debate suggest that concentration and competition have ambiguous effects … on financial stability and as such, there is no clear conclusion on the validity of either the competition-stability or … the competition-fragility hypotheses. However, it would not be entirely correct to either conclude that these two …