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This paper looks at public policy towards bank entry and branching in the Philippines and its impact on the sector’s structure, conduct and performance. In particular, it argues that regulatory restrictions on bank entry and branching have had adverse effects on competition, while the liberalization of these restrictions have led to a more competitive banking sector. The paper has two main sections. Section II presents the history of regulation of bank entry and branching in the Philippines. The impact of these regulations on the banking sector is then briefly discussed in Section III by looking at some indicators of changes in financial structure, measures of concentration and operational efficiency. Section IV then presents some policy implications.

Citations

This publication has been cited time(s).

Lamberte, Mario B. and Ma. Chelo V. Manlagnit, 2004 "Evaluating the impacts of competition policy reforms on the efficiency of Philippine commercial banks" , Philippine Institute for Development Studies
Manlagñit, Maria Chelo V., 2011 "The economic effects of foreign bank presence: Evidence from the Philippines" , (via RePEc)Elsevier
Meslier-Crouzille, Céline, Ruth Tacneng, and Amine Tarazi, 2014 "Is bank income diversification beneficial? Evidence from an emerging economy" , HAL
Meslier-Crouzille, Céline, Ruth Tacneng, and Amine Tarazi, 2013 "Is bank income diversification beneficial? Evidence from an emerging economy" , HAL
Meslier, Céline, Ruth Tacneng, and Amine Tarazi, 2014 "Is bank income diversification beneficial? Evidence from an emerging economy" , Elsevier

Contributor

Philippine Institute for Development Studies

Authors

Milo, Melanie S.

Keywords

banking reforms; entry barriers

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Jul 04, 2013

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Deregulation of Bank Entry and Branching: Impact on Competition

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