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

Detalhes bibliográficos
Autor(a) principal: Gonzalez, Rodrigo Barbone
Data de Publicação: 2009
Outros Autores: Savoia, José Roberto Ferreira, Gouvêa, Maria Aparecida
Tipo de documento: Artigo
Idioma: por
eng
spa
Título da fonte: RAM. Revista de Administração Mackenzie
Texto Completo: https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199
Resumo: 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.
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spelling BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZILGrupos estratégicos bancários: uma abordagem transversal multivariada para o problema da segmentação dos bancos no BrasilThis 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.Este estudo apresenta um modelo de segmentação para o mercado bancário brasileiro baseado em dados contábeis de dezembro de 2004. Ele considera que as estratégias de atuação, a competitividade e as barreiras à mobilidade determinam a natureza das aplicações e captações dos bancos. A metodologia utilizada compreende as técnicas: análise de clusters, análise discriminante e escalonamento multidimensional. A análise de clusters é utilizada para subdividir o sistema bancário em cinco grupos. A análise discriminante é utilizada para testar essa solução e encontra alto nível de significância prática. O escalonamento multidimensional, além de auxiliar na validação, cria uma interface gráfica para a análise de resultados e fornece uma medida para distância estratégica. Ao final, conclui-se que três dos grupos encontrados, varejo, crédito e tesouraria, se dedicam a uma intermediação bancária completa, enquanto os outros dois grupos, interbancário e de transição, se apresentam como intermediários dentro do sistema, sugerindo uma estratégia de atuação mais pobre.Editora Mackenzie2009-01-13info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfapplication/pdfapplication/pdfhttps://editorarevistas.mackenzie.br/index.php/RAM/article/view/199Revista de Administração Mackenzie; Vol. 9 No. 7 (2008)Revista de Administração Mackenzie; Vol. 9 Núm. 7 (2008)Revista de Administração Mackenzie (Mackenzie Management Review); v. 9 n. 7 (2008)1678-69711518-6776reponame:RAM. Revista de Administração Mackenzieinstname:Universidade Presbiteriana Mackenzie (MACKENZIE)instacron:MACKENZIEporengspahttps://editorarevistas.mackenzie.br/index.php/RAM/article/view/199/199https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199/1687https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199/1688Copyright (c) 2015 Revista de Administração Mackenzieinfo:eu-repo/semantics/openAccessGonzalez, Rodrigo BarboneSavoia, José Roberto FerreiraGouvêa, Maria Aparecida2012-03-13T15:14:01Zoai:ojs.editorarevistas.mackenzie.br:article/199Revistahttps://editorarevistas.mackenzie.br/index.php/RAM/PUBhttps://editorarevistas.mackenzie.br/index.php/RAM/oairevista.adm@mackenzie.br1678-69711518-6776opendoar:2024-04-19T17:00:32.396415RAM. Revista de Administração Mackenzie - Universidade Presbiteriana Mackenzie (MACKENZIE)false
dc.title.none.fl_str_mv BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
Grupos estratégicos bancários: uma abordagem transversal multivariada para o problema da segmentação dos bancos no Brasil
title BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
spellingShingle BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
Gonzalez, Rodrigo Barbone
title_short BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
title_full BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
title_fullStr BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
title_full_unstemmed BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
title_sort BANKING STRATEGIC GROUPS': A CROSS-SECTIONAL MULTIVARIATE APPROACH FOR BANKING SEGMENTATION IN BRAZIL
author Gonzalez, Rodrigo Barbone
author_facet Gonzalez, Rodrigo Barbone
Savoia, José Roberto Ferreira
Gouvêa, Maria Aparecida
author_role author
author2 Savoia, José Roberto Ferreira
Gouvêa, Maria Aparecida
author2_role author
author
dc.contributor.author.fl_str_mv Gonzalez, Rodrigo Barbone
Savoia, José Roberto Ferreira
Gouvêa, Maria Aparecida
description 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.
publishDate 2009
dc.date.none.fl_str_mv 2009-01-13
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199
url https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199
dc.language.iso.fl_str_mv por
eng
spa
language por
eng
spa
dc.relation.none.fl_str_mv https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199/199
https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199/1687
https://editorarevistas.mackenzie.br/index.php/RAM/article/view/199/1688
dc.rights.driver.fl_str_mv Copyright (c) 2015 Revista de Administração Mackenzie
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2015 Revista de Administração Mackenzie
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
application/pdf
application/pdf
dc.publisher.none.fl_str_mv Editora Mackenzie
publisher.none.fl_str_mv Editora Mackenzie
dc.source.none.fl_str_mv Revista de Administração Mackenzie; Vol. 9 No. 7 (2008)
Revista de Administração Mackenzie; Vol. 9 Núm. 7 (2008)
Revista de Administração Mackenzie (Mackenzie Management Review); v. 9 n. 7 (2008)
1678-6971
1518-6776
reponame:RAM. Revista de Administração Mackenzie
instname:Universidade Presbiteriana Mackenzie (MACKENZIE)
instacron:MACKENZIE
instname_str Universidade Presbiteriana Mackenzie (MACKENZIE)
instacron_str MACKENZIE
institution MACKENZIE
reponame_str RAM. Revista de Administração Mackenzie
collection RAM. Revista de Administração Mackenzie
repository.name.fl_str_mv RAM. Revista de Administração Mackenzie - Universidade Presbiteriana Mackenzie (MACKENZIE)
repository.mail.fl_str_mv revista.adm@mackenzie.br
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