Banking Industry Competition, Efficiency and Stability in Zimbabwe

Abstract

This research study by the Zimbabwe Economic Policy Analysis and Research Institute (ZEPARI) investigates the impact of banking sector competition on financial stability in Zimbabwe using bank-level panel data from 2012 to 2025. Utilizing the Boone Indicator and Z-score metrics, the authors analyze how competitive market dynamics, bank-specific traits, and macroeconomic conditions shape efficiency and resilience across the nation's commercial banking sector.