I think this article can be of help for you:

http://www.biu.ac.il/soc/ec/students/teach/856/data2009/competition%20-%20good%20or%20bad,%20cetorrelli%202001.pdf

 Thank you both Imran and Lloyd.

Dear Md Ali Rasel

Greetings,

I think it is related for many factors such as internal and external of environment , and because the environment is more fluctuations , so you need to test these variables to show the results . Finally , find the attached file may be useful and interesting for you ,

Best Regards

Hi. You could start with the theory of imperfect competition and contestable markets. Essentially, you would want to test whether the degree of market concentration (share of total customer accounts) is related to (a) fees for banking services, and/or (b) lending interest rate margins.   But on the bank side of the market you should consider whether customers prefer full service banking (single banks which provide lots of different banking services) or more basic savings & loan type (local) banking. Another issue is relationship banking and the role of softer information as opposed to standardised credit scoring. You might also want to consider the take-up of internet banking as a new form of providing banking services. Hope this helps? Cheers, Marc

Thank you Marc. your suggestion is very insightful and helpful for my research really appreciate it.