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Measuring Commercial Bank Efficiency
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Book Synopsis Measuring Commercial Bank Efficiency by : Dimitri Vittas
Download or read book Measuring Commercial Bank Efficiency written by Dimitri Vittas and published by World Bank Publications. This book was released on 1991 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Measuring bank efficiency is difficult because there is no satisfactory definition of bank output. International comparisons based on operating costs and margins are fraught with problems. These stem from substantial differences in capital structure (leverage), business or product mix, range and quality of services, inflation rates, and accounting conventions (especially about the valuation of assets, the level of loan loss provisioning, and the use of hidden reserves). Facile and uncritical use of ratios cannot substitute for detailed knowledge and understanding of banking structure and practice.
Book Synopsis Output Measurement in the Service Sectors by : Zvi Griliches
Download or read book Output Measurement in the Service Sectors written by Zvi Griliches and published by University of Chicago Press. This book was released on 2008-04-15 with total page 576 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is the fall in overall productivity growth in the United States and other developed countries related to the rising share of the service sectors in the economy? Since services represent well over half of the U.S. gross national product, it is also important to ask whether these sectors have had a slow rate of growth, as this would act as a major drag on the productivity growth of the overall economy and on its competitive performance. In this timely volume, leading experts from government and academia argue that faulty statistics have prevented a clear understanding of these issues.
Book Synopsis High Performance Banking by : Albert J. Brown
Download or read book High Performance Banking written by Albert J. Brown and published by WCB/McGraw-Hill. This book was released on 1990 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recommends ways for banks to improve profits and performance by competing on the basis of efficiency, integrity and excellent service rather than price
Book Synopsis Commercial Banking by : Christopher Gan
Download or read book Commercial Banking written by Christopher Gan and published by MDPI. This book was released on 2021-09-03 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: The existence of financial intermediaries is arguably an artifact of information asymmetry. Beyond simple financial transactions, financial intermediation provides a mechanism for information transmission, which can reduce the degree of information asymmetry and consequently increase market efficiency. During the process of information transmission, the bank is able to provide unique services in the production and exchange of information. Therefore, banks have comparative advantages in information production, transmission, and utilisation. This book provides an overview of commercial banking and includes empirical methods in banking such risk and bank performance, capital regulation, bank competition and foreign bank entry, bank regulation on bank performance, and capital adequacy and deposit insurance.
Book Synopsis Factors Influencing the Efficiency of Commercial Banks in Sri Lanka by : Samangi Bandaranayake
Download or read book Factors Influencing the Efficiency of Commercial Banks in Sri Lanka written by Samangi Bandaranayake and published by . This book was released on 2014 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: The important status of the commercial banking sector in the financial environment of the economy has encouraged the researchers to inquire into the determinants of bank efficiency. This study focuses on two aspects related to bank efficiency in Sri Lanka. One is to identify the influence of bank-specific and operating environment factors on bank efficiency. The second is to find whether the ownership types of banks matter in explaining bank efficiency. To this end, two efficiency measures have been employed: Net Interest Margin (NIM) and Return on Assets (ROA). The selected sample consists of fourteen licensed commercial banks. Based on the data during the sample period 2001-2011, the estimation of parameters has been done using the random effect panel data approach. There are a few important findings. First, the estimation results associated with the two efficiency measures are somewhat different. Second, except for a few cases, we observe the expected sign of the parameters. Third, the determinants of efficiency vary across the ownership type of the banks. Fourth, in terms of the significance of the proposed determinants, ROA is a more suitable efficiency measure for state banks while NIM is a better measure for private and foreign commercial banks. Finally, there is a tendency for operating environmental factors becoming significant when efficiency is measured in terms of NIM and bank-specific factors are more important in explaining efficiency when ROA is selected as the proxy.
Book Synopsis Measuring Banking Efficiency in the Pre- and Post-liberalization Environment by : Cevdet Denizer
Download or read book Measuring Banking Efficiency in the Pre- and Post-liberalization Environment written by Cevdet Denizer and published by World Bank Publications. This book was released on 2000 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking efficiency in Turkey was expected to improve after liberalization. Instead, it declined, perhaps because of increasing macroeconomic instability.
Book Synopsis Measuring the Efficiency of Capital Allocation in Commercial Banking by :
Download or read book Measuring the Efficiency of Capital Allocation in Commercial Banking written by and published by . This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Reserve Bank of Philadelphia presents the full text of the October 1997 working paper entitled "Measuring the Efficiency of Capital Allocation in Commercial Banking," written by Joseph P. Hughes, William Lang, Choon-Geol Moon, and Michael S. Pagano. The text is available in PDF format. This paper investigates how banks' employment of capital in their production plans affects their market value efficiency. The authors find that that the influence of equity capital differs considerably between banks with higher capital-to-assets ratios and those with lower ratios.
Book Synopsis Problem Loans and Cost Efficiency in Commercial Banks by : Allen N. Berger
Download or read book Problem Loans and Cost Efficiency in Commercial Banks written by Allen N. Berger and published by . This book was released on 1995 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Examining the Efficiency of Commercial Banks in Lebanon by : Md. Iskandar Mirza
Download or read book Examining the Efficiency of Commercial Banks in Lebanon written by Md. Iskandar Mirza and published by . This book was released on 2017 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study evaluates the key performance indicators of the banking sector in postwar Lebanon, in an attempt to assess the efficiency of the sector in producing the conventional outputs. Efficiency examines the performance of a Decision Making Unit (DMU) i.e., bank, company, organization etc. by comparing with other DMUs. Data envelopment analysis (DEA) is a common tool for benchmarking efficiency in recent literature. This study examines the impact of bank efficiency in Lebanon applying the DEA method. This study shows Malmquist DEA methods to panel data to calculate total factor productivity (TFP) change; technological change; technical efficiency change and scale efficiency change to measure the efficiency of Lebanese commercial Banks. Data envelopment analysis (DEA) is a common research method in recent literature. Total 14 commercial banks overing a period from 2009 to 2013 were examined. The findings of this study shows the efficiency of commercial banking system of Lebanon is inefficient. The findings also indicate that the selected banks have become less efficient over the period of study.
Book Synopsis Performance of Financial Institutions by : Patrick T. Harker
Download or read book Performance of Financial Institutions written by Patrick T. Harker and published by Cambridge University Press. This book was released on 2000-05-18 with total page 516 pages. Available in PDF, EPUB and Kindle. Book excerpt: The efficient operation of financial intermediaries--banks, insurance and pension fund firms, government agencies and so on--is instrumental for the efficient functioning of the financial system and the fueling of the economies of the twenty-first century. But what drives the performance of these institutions in today's global environment? In this volume, world-renowned scholars bring their expertise to bear on the issues. Primary among them are the definition and measurement of efficiency of a financial institution, benchmarks of efficiency, identification of the drivers of performance and measurement of their effects on efficiency, the impact of financial innovation and information technologies on performance, the effects of process design, human resource management policies, as well as others.
Book Synopsis Determinants of Commercial Bank Interest Margins and Profitability by : Asl? Demirgüç-Kunt
Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
Book Synopsis Measuring the Efficiency of Capital Allocation in Commercial Banking by : Joseph P. Hughes
Download or read book Measuring the Efficiency of Capital Allocation in Commercial Banking written by Joseph P. Hughes and published by . This book was released on 1997 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis X-efficiency and Management Quality in Commercial Banks by : Robert DeYoung
Download or read book X-efficiency and Management Quality in Commercial Banks written by Robert DeYoung and published by . This book was released on 1994 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Efficiency Indicators of Commercial Banks in India by : Shefali Tiwari
Download or read book Efficiency Indicators of Commercial Banks in India written by Shefali Tiwari and published by LAP Lambert Academic Publishing. This book was released on 2015-03-05 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Competition and efficiency are difficult if not impossible to observe directly, since comparative data on individual banks are rare and figures on the cost of individual banking products are generally unavailable to common man. The literature has tried to measure these variables through twenty three factors. The literature on this topic is enormous and this book provides a welcome synthesis. It outlines various non-structural approaches to efficiency measurement. The non-structural approach requires a choice of the underlying production factors of banking from which one can derive relative performance measures. Non-structural approaches simply relate to the use of accounting/financial ratios to measure bank performance. These accounting ratios are twenty three in number which are clubbed under five independent variables related to employees, operations, liquidity, profitability and per branch.
Book Synopsis Analysis of Financial Performance of Commercial Banks in Rwanda by : Sylvain R. Ntuite
Download or read book Analysis of Financial Performance of Commercial Banks in Rwanda written by Sylvain R. Ntuite and published by GRIN Verlag. This book was released on 2018-07-02 with total page 95 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2015 in the subject Economics - Finance, grade: Upper level division2, , course: Thesis, language: English, abstract: The objective of this study is to analyze the performance of two selected commercial banks over a period of six years (2008-2013) in the Rwandan banking sector. For this purpose, CAMEL approach has been used and it is established that I&M Bank and BPR are at the top of the list, with their performances in terms of soundness being the best, but the commercial bank like BPR has taken a backseat and display low economic soundness in comparison. The study found that overall bank performance increased considerably in the first three years of the analysis. A significant change in trend is noticed at the onset of the global financial crisis in 2007, reaching its peak during 2008-2009. This resulted in falling profitability, low liquidity and deteriorating credit quality in the Rwandan Banking sector in general and BPR and I&M Bank particularly.
Book Synopsis Evaluating the Productive Efficiency and Performance of U.S. Commercial Banks by : Richard S. Barr
Download or read book Evaluating the Productive Efficiency and Performance of U.S. Commercial Banks written by Richard S. Barr and published by . This book was released on 1999 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bank Efficiency in Sub-Saharan African Middle Income Countries by : Chuling Chen
Download or read book Bank Efficiency in Sub-Saharan African Middle Income Countries written by Chuling Chen and published by International Monetary Fund. This book was released on 2009-01-01 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: We use bank level data to study the efficiency of banks in Sub-Saharan African middle-income countries and provide possible explanations for the difference in the efficiency levels of banks. We find that banks, on average, could save 20-30 percent of their total costs if they were operating efficiently, and that foreign banks are more efficient than public banks and domestic private banks. Among the factors that could affect the efficiency levels are macroeconomic stability, depth of financial development, the degree of market competition, strong legal rights and contract laws, and better governance, including political stability and government effectiveness. Our findings point to the importance of policies that aim to build stronger institutions, promote more competition, and improve governance.
