Statistical assessment of consolidation processes in the banking system

Of the concentration indicators mentioned above, the concentration ratio and the Herfindahl-Hirschman index meet these requirements to the greatest extent, while other indicators (Gini coefficient, variation, dispersion) partially meet these conditions (they do not take into account the number of banks in the market), so they can be considered additional rather than full-fledged measures of banking sector concentration. However, it is also worth noting that changes in the heterogeneity of the banking sector's market structure make it possible to understand the reasons for the growth or decline in concentration. Therefore, the key indicators for assessing the state of consolidation of the banking sector in our study will be the concentration ratio (CR3), the Herfindahl-Hirschman index (HHI), and the entropy coefficient (GE).