Bank Market Concentration: A Case Study of India

Abstract

Banking sector in India has undergone a deep transformation since 1992 Financial Sector Reforms and witnessed an impressive growth over recent years. The banking industry remains the largest and the most development segment of the Indian financial market. The deregulation of financial services in the Indian Financial Sector, particularly in banking sector and the development of information technology are expected to contribute to dramatic changes in Indian banking markets over the coming years, with vast implications for competition and concentration in the banking and financial sector. Hence, to evaluate the impact of various changes specifically on competition in the banking system, it is important to analyze number of concentration indicators. Particularly, this paper examines the nature and the extent of changes in market concentration of Indian banking sector from year to year basis. Findings herein suggest that the over the time period of study, different concentration ratios has been decreased, reflecting greater degree of competition in India.

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