A three-phase comparative efficiency analysis of US and EU banks

Off-balance sheet business development and bank efficiency: A financial innovation matching perspective

“…Therefore, in small banks, OBS exerts more profit effect than risk effect, resulting in positive bank efficiency. This is consistent with some research, which suggests smaller banks can reduce their risk exposures [ 75 ]. This study also demonstrates the inability of the property rights attribute of banks to change the relationship between OBS and efficiency.…”

Do business strategies vary across firms in the banking industry? New perspectives from the bank size–profitability nexus

“…This translates into declines in average costs, and it realizes the economies of scale and scope (Adusei, 2016; Berger et al , 1993; Milenković et al , 2022; O'Connell, 2022; Rehman et al , 2022; Yin et al , 2013). This finding supports the research outcome of Anagnostopoulos et al (2022) and Ding and Sickles (2018), which stresses that banks enjoy cost‐efficiency as they grow in size but negates the research outcomes of Rakshit and Bardhan (2022b) establishes that growth in bank size leads to bank inefficiency. The banks could toe the path of expansion in size to attain higher levels of cost‐efficiency.…”

“…The bank‐specific findings of Guaranty Trust Bank, Wema Bank, and Diamond Bank exhibit that increases in bank size spur more prudent cost‐efficiency (see Table 9). From an economic perspective, this finding implies that these three banks maximize the cost benefits of the increase in size by reducing their risks through diversification into many production lines and spreading their costs to enjoy economies of scale and scope (Anagnostopoulos et al, 2022; Perera et al, 2007; Seelanatha, 2021). It simply suggests that the cost‐efficiency of the three banks is induced and caused by expanding their scales and scopes of operations (Rakshit & Bardhan, 2022a; Rakshit & Bardhan, 2022b; Wanke et al , 2022; Wu & Nahm, 2013).…”

“…It simply suggests that the cost‐efficiency of the three banks is induced and caused by expanding their scales and scopes of operations (Rakshit & Bardhan, 2022a; Rakshit & Bardhan, 2022b; Wanke et al , 2022; Wu & Nahm, 2013). It is obvious that as banks grow in size, they gain cost‐efficiency (Anagnostopoulos et al, 2022; Halkos & Tzeremes, 2007). This translates into declines in average costs, and it realizes the economies of scale and scope (Adusei, 2016; Berger et al , 1993; Milenković et al , 2022; O'Connell, 2022; Rehman et al , 2022; Yin et al , 2013).…”

Impact of selected factors on digitalization of financial sector

“…Karakaya, Michalsk and Örsc (2022), using deregulation of interstate banking regulation, create measures for banking integration and industry specialization, which take into account both direct and indirect links created by expanding networks of multibank holding companies. Anagnostopoulos, Husa, and Noikokyris (2022) studied the differences in efficiency between EU and US banks during 2000-2018. European banks lag behind the United States regarding technical efficiency before and after the crisis.…”