Using Panzer - Rosse Model for Measuring Banking Competition: An Empirical Study on Iraqi Traditional Banks Using Panel Data Method for the period 2011-2017

Abstract

The research aims to measure banking competition using the Panzer - Rosse model. Quantitative methods were adopted through the application of panel data models, which combine cross sections and time series, based on annual data that included (22) traditional private banks for the period (2011-2017). The results show that the Panzer - Rosse model shows that competition among conventional private banks is high, with the value of H statistic equal to (1). The research concluded with a set of recommendations, the most important of which are: Enhancing the banking services provided by commercial banks through the development of payment systems and increasing the deployment of ATMs, which contributes to the high rate of financial inclusion, on the other hand, and increasing the degree of competition among banks.