The conventional wisdom about the banking market structure of Transition countries is that banks are relatively
small and industries are very concentrated. Monopolistic competition is therefore a priori the most plausible
structure for the banking. Since the PR-model is only valid if the market is in equilibrium, thus implying that their
returns should not be statistically correlated with input prices .A value of H = 0 would indicate an equilibrium in the
banking markets under investigation. I found equilibrium in my regression, but did not show it here.