Bibliographic citations
Salas, S., Orellano, K. (2024). Estrategias competitivas y diferenciación por tamaño: Un estudio sobre la dinámica del sector bancario peruano [Trabajo de Suficiencia Profesional, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/683555
Salas, S., Orellano, K. Estrategias competitivas y diferenciación por tamaño: Un estudio sobre la dinámica del sector bancario peruano [Trabajo de Suficiencia Profesional]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2024. http://hdl.handle.net/10757/683555
@misc{renati/1300610,
title = "Estrategias competitivas y diferenciación por tamaño: Un estudio sobre la dinámica del sector bancario peruano",
author = "Orellano Risco, Karla Beliza",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2024"
}
This study examines how banks in the Peruvian financial system implement differentiated strategies across various market segments and how the size of the institution influences these strategic responses. The results show that large banks adopt "spoiler" strategies in the “retail” segment, reducing production to protect margins against high costs, while applying "mutual tolerance" strategies in the corporate segment to avoid intense competition and maintain operational stability. Medium-sized banks combine defensive tactics with high sensitivity to input and financing costs, proactively adjusting their production to safeguard market share. Small banks, on the other hand, exhibit a more reactive response: in the corporate segment, they quickly modify production in response to changes in marginal costs, while deploying defensive strategies in the “retail” segment to withstand financial pressures and maintain competitiveness. The ability to diversify strategies according to segment and institutional size enables banks to optimize risk management and adapt to changing market conditions. A common finding across all groups was the high sensitivity to financial costs and the importance of branch networks for achieving economies of scale.
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