Abstract
The study is aimed to analyze Structure-Conduct-Performance (SCP)
model, in the context of Pakistan banking industry, which is to find
relationship between market structure, behavior and more particularly the
financial performance of the banking sector. The woman bank’s market
share and business behavior are analyzed in SCP framework to examine
performance of the bank being a special institution for women. The
regression equation is used to achieve the analytical objectives of this
study; using the most common tested relationship by SCP paradigm such as
HHI (Hirshman-Herfindahl Index) which is a concentration measure used
to analyze banking structure and ROA (Return On Asset), ROE (Return On
Equity) and NIM (Net Interest Margin) which are profitability indicators.
The results are spread over 35 banks in Pakistan, for analyzing correlation
between variables, the time series data comprise the period 2004 to 2013.
The results suggest that banking sector in Pakistan carries negative
concentration ratios that impact directly on profitability, efficiency and
innovation. The result indicated that after analyzing the woman bank there
is a minor market share of the bank into the industry which makes us
conclude that the reason behind the weak performance is its inefficient
participation in banking industry. The study finds that there is a policy
draw back that restricts woman banks for their proper operations to carry
out.
Arifa Bano Talpur, Dr. Parveen Shah, Dr. Pervez A. Pathan, Dr. Jamsheed A. Halepoto. (2016) Structure Conduct Performance (Scp) Paradigm In Pakistan Banking Sector: A Conceptual Framework And Performance Of The First Woman Bank Under Scp Model, The Women - Annual Research Journal of Gender Studies, Volume-08, Issue-1.
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