مجلة دراسات في الاقتصاد وإدارة الأعمال
Volume 6, Numéro 2, Pages 371-387
2024-03-16
Market Concentration Metrics And Their Impact On Banking Competitiveness: A Comprehensive Analysis
Authors : Benzid Youcef . Chermat Imad .
Abstract
The study aims to investigate the level of market concentration in the banking sector. The purpose of this article is to identify and measure market concentration through an analytical study on a sample of 10 banks in the UAE during the period 2010-2021. We utilized market shares (MS), the concentration ratio of the largest five banks (CR5), as well as the Herfindahl-Hirschman Index (HHI) to assess competition among banks and characterize the structure of the banking market. The study's findings indicate that the banking sector in the UAE has experienced a shift towards oligopoly and, in some cases, pure monopoly markets in recent years. This increase in concentration can be attributed to banking mergers and the expansion of larger banks. The UAE banking sector can be characterized as exhibiting a moderate level of concentration, suggesting moderate competition. Furthermore, the study concludes that conventional banks exert significant control over the banking industry. Market shares for loans and deposits are concentrated among the largest conventional banks
Keywords
Market Concentration ; Market shares ; Concentration ratio CR ; HH index
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