BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL

Authors

  • Rodrigo Barbone Gonzalez Universidade de São Paulo
  • José Roberto Ferreira Savoia Universidade de São Paulo
  • Maria Aparecida Gouvêa Universidade de São Paulo

Abstract

This paper presents a segmentation model based on banks´ financial statements for the Brazilian market focusing on its strategies, competitiveness and industry inherit barriers of mobility as determinants of assets and liabilities allocations among banks in December, 2004. The methodology framework comprises: cluster analysis, discriminant analysis, and multidimensional scaling. Cluster Analysis procedures are carried out in order to bring about five major groups. This solution is tested by discriminant analysis and meets practical significance criteria. Multidimensional scaling provides additional validation, graphical interface and a strategic distance measure. The results suggest the five-group solution is adequate. Three of them, retail, credit and treasury banks provide complete banking intermediation. Thus, the last two, interbanking and transition/onlending operate as intermediates. It is suggested that such kind of intermediation is a poor strategy for the long run.

Downloads

Download data is not yet available.

Author Biographies

Rodrigo Barbone Gonzalez, Universidade de São Paulo

Mestre em Administração pela Faculdade de Economia, Administração e Contabilidade da Universidade de São Paulo (FEA-USP).

José Roberto Ferreira Savoia, Universidade de São Paulo

Doutor pela Faculdade de Economia, Administração e Contabilidade da Universidade de São Paulo (FEA-USP). Professor de Administração da Faculdade de Economia, Administração e Contabilidade da Universidade de São Paulo (FEA-USP).

Maria Aparecida Gouvêa, Universidade de São Paulo

Professora livre-docente pela Faculdade de Economia, Administração e Contabilidade da Universidade de São Paulo (FEA-USP). Professora de Administração da Faculdade de Economia, Administração e Contabilidade da Universidade de São Paulo (FEA-USP).

Downloads

Published

2009-01-13

Issue

Vol. 9 No. 7 (2008)

Section

Presentation

License

Once the papers have been approved, the authors will assign their copyrights to this Journal.  The Copyright Assignment Conditions include:

1.  The Mackenzie Administration Journal holds the rights to all the papers published therein through assignment of copyright. 

2.  The author retains moral rights to the paper, including the right to identify the author whenever the article is published.

3. As of July 1, 2015 RAM adopted the CC-BY license standard (Creative Commons– BY). Authors are allowed to copy, distribute, display, transmit and adapt articles. Authors must attribute to RAM explicitly and clearly an article’s original publication (with reference to the journal’s name, edition, year and pages in which the article was originally published), yet without suggesting that RAM endorses the author or its use of the article. Contents are released by means of the CC-BY license to fully inter-operate with a variety of different systems and services, including for commercial purposes. In case of an article’s reuse or distribution, authors must make the article’s licensing terms clear to third parties. CC-BY criteria follow open access policies by major OA (Open Access) publishers and journals, such as PLoS, eLife, Biomed Central and Hindawi, among others.

4.  When formally requested by the author, this Journal may allow the paper to be published as a chapter or part of a book.  The only requirement is that prior publication in this Journal (Journal name, issue, year and pages) must be clearly and explicitly shown as a reference.