’ impact on lending cycles, controlling for other determinants of credit growth. We find robust empirical evidence that higher … when entering a credit contraction period severely impacts lending (i.e., may bring about a deep credit crunch), with …In this paper, we analyze the role bank capital played in systemic banking crises and in lending expansion and …

competition, of which the most common are the concentration ratio and the Herfindahl-Hirschman index. It is important to emphasize … competition. Although market changes are reflected in a reduced number of banks while a change in the dispersion of market shares …

measuring the banking sector competition proceed from the market structure and concentration measures. In contrast, modern … approaches to measuring competition rely on non-structural models and analysis of the behaviour of market participants. The paper … analyzes the degree of concentration and competition in the banking sector of the Republic of Serbia. The traditional and most …

Switching costs are a leading cause of customer lock-in in banking, reducing the extent of competition and increasing … time (a lock-in effect). Thus, the extent of potential competition in Brazilian banking could be severely limited by these …