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100 bank-year observations access to financing average H-statistic bank concentration bank-level data banking structure banking system concentration banking system performance banks to population BANKSCOPE Barth Bresnahan capita GDP capitalization to GDP Caprio and Levine competitiveness indicator competitiveness measure concentrated banking systems concentration ratio correlations cross-country regressions degree of competition dependent variable distorted measure dummies Economic Freedom Index empirical Entry fit test financial sector financial services foreign bank ownership form revenue equations GDP per capita greater foreign bank gross interest revenue inflation input prices Insurance penetration inter industry competition July 2003 July Laeven large number least 20 banks literature marginal costs Market capitalization market structure monopolistic competition number of banks Number of countries Panzar and Rosse Panzar-Rosse 1987 perfect competition PR methodology PR model property rights index reduced form revenue return on assets revenues as dependent robustness test Shaffer specific standard errors statistically significant structure and contestability total revenues World Bank