Palabras clave
Sector bancario latinoamericano
Poder de mercado
Competencia imperfecta
Índice de Lerner
Precios sombrilla
Cómo citar
Resumen
Este artículo analiza la evolución del índice de Lerner para los bancos costarricenses entre 2008 y 2019. Documentamos una caída significativa en el poder de mercado durante este período, que relacionamos con una menor concentración en préstamos y depósitos. El mercado se volvió menos consolidado ya que un grupo de 29 bancos pequeños ganó participación de mercado a expensas de los bancos grandes y medianos. Encontramos que, para los bancos individuales, una mayor participación de mercado de préstamos y una mayor especialización crediticia se relacionan con una mayor rentabilidad, mientras que una mayor participación de mercado en depósitos y un mayor tamaño se relacionan con menores márgenes de utilidad.
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Derechos de autor 2026 Miguel Cantillo Simón, Guillermo Pastrana, José Cascante (Autor/a)