Promjene kvantitativnih pokazatelja koncentracije u zemljama regije u razdoblju transformacije bankovnih sustava
Changes in Quantitative Indicators of Concentration in the Countries of this Region during the Transformation Period of Banking Systems

Summary/Abstract: The reshaping processes of the banking systems in the countries of this region that involved the reorganization and restructuring of insolvent banks as well as the privatization of the state banks were aimed at settingup a framework within which banks would operate according to the modern market principles. With theopening of the banking market to foreign capital, the foreign banks have gained access to the banking marketand have over a ten-year period significantly increased their market share. Due to the existing barriers to entryinto the market, foreign-owned banks tended to use the strategy of buying shares in already-establishedbanks rather than starting up a new bank. Comparisons between concentration indicators showed that thereare differences among countries and mostly these differences result from the differences in the size of thebanking systems and the size of national economies. Still, the values of quantitative indicators of concentrationin countries with larger banking systems are lower than in countries with fewer banks.

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