Banking Sector Efficiency in New EU Member States

Banerjee, B.

doi:10.2753/eee0012-8775500604

Cited by 9 publications

(6 citation statements)

References 21 publications

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“…Velik broj istraživačkih radova bavi se utjecajem ulaska stranog vlasništva u bankovne sustave tranzicijskih zemalja u koje spadaju i baltičke zemlje, i zemlje srednjoistočne Europe, te dokazuje pozitivan utjecaj na gospodarski rast i razvoj ovih zemalja (Spendzharova, 2014;Ferreira, 2013;Banerjee, 2012;Claessens i dr. 2001). Povećanje udjela stranog vlasništva u bankovnim sustavima zemalja Srednje i Istočne Europe dovelo je do povećanja dobrobiti klijenata banaka i to direktno, kroz proširenje usluga i povećanje cijenovne efikasnosti, tako i indirektno, kroz efekt prelijevanja efikasnosti i korekcije cijena bankovnih usluga i na sektor domaćih banaka, kao i sveukupnog povećanja konkurentnosti bankovne industrije (Poghosyan, 2010).…”

Section: Bankovni Sustavi Starih I Novih čLanica Europske Unijeunclassified

Konvergencija bankovnih sustava EU

Peša

Maté

Čičin-Šain

2022

Zb. Veleuč. Rij. (Online)

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Bankovni sustavi zemalja koje su Europskoj uniji pristupile nakon 2004. g., u najvećoj su mjeri u vlasništvu bankovnih grupacija iz starih članica Unije. Važnost bankovnih sustava za gospodarski rast tih zemalja značajnija je nego u starim članicama iz razloga visoke ovisnosti gospodarstava o bankovnim izvorima financiranja. Stoga bi konvergencija prema sustavima razvijenijih članica Unije bila od velikog interesa za daljnji gospodarski razvoj ove skupine zemalja. Cilj ovog rada je analizirati aktualne pozicije bankovnih sustava europskih zemalja, s posebnim osvrtom na poziciju Hrvatske. Metodologija rada bazira se na usporedbi BDP-a po glavi stanovnika sa odabranim pokazateljima veličine, rasta, depozitne osnovice i kapitaliziranosti bankovnog sektora. Korištenjem indikatora razvijenosti financijskog sustava, i u ovisnosti o periodu pristupanju europodručju, analizira se položaj bankovnih sustava zemalja unutar europodručja, i onih izvan. Rezultati ukazuju da bankovni sustavi zemalja koje su Europskoj uniji pristupile nakon 2004. g. i dalje zaostaju za starim članicama, te da je konvergencija još daleko, posebno u skupini zemalja izvan europodručja. Među novim članicama europodručja po svim indikatorima prednjače Malta i Cipar, te Estonija, dok u skupini zemalja izvan europodručja, uz Švedsku i Dansku, najbolje rezultate ostvaruju Hrvatska i Češka. Rezultati ukazuju da su nove članice unije, a posebno one koje nisu dio europodručja, i dalje ovisnije o depozitima nebankovnog sektora kao primarnom izvoru financiranja kreditne aktivnosti, što ukazuje na dominantan položaj banaka u financijskim sustavima ovih zemalja.

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Section: Bankovni Sustavi Starih I Novih čLanica Europske Unijeunclassified

Konvergencija bankovnih sustava EU

Peša

Maté

Čičin-Šain

2022

Zb. Veleuč. Rij. (Online)

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“…This impression of arbitrary input-output choices also arises whilst studying input-output sets that are frequently applied in DEA assessment focused upon commercial banks (e.g. [4], Tab. 2; [33], Tab.…”

Section: Motivation and Literature Reviewmentioning

confidence: 99%

“…[1], pp. 4,5). The different interpretations are an apple of discord and give rise to a wealth of diverse input-output specifications causing incomparability of results between studies.…”

Section: Introductionmentioning

confidence: 99%

Impact of an input-output specification on efficiency scores in data envelopment analysis: A banking case study

Boďa

Piklová

2021

RAIRO-Oper. Res.

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The paper stresses the importance of making an appropriate specification of inputs and outputs in technical efficiency measurement and provides empirical evidence that this initial step of an efficiency measurement project should not be underestimated. Oriented on a case study of Slovak commercial banks for the period from 2005 to 2016, the paper explores to which extent different input-output specifications affect the comparability or congruence of technical efficiency scores produced by six different data envelopment models differing in the efficiency measure and orientation. Building on the long-standing controversy in the banking literature about the most appropriate description of banking production, the paper compares technical efficiency scores for 9 input-output specifications of the intermediation approach, 9 specifications of the production-like approaches and 3 network integrated specifications. All these specifications were empirically applied earlier in the literature. The efficiency scores produced by different input-output specifications and models are confronted by six measures of association or dependence, and their levels are explained in a regression framework. The results suggest that the choice of the input-output set is a critical judgemental input to efficiency measurement since there is vast diversity in efficiency scores of input-output sets coming from different approaches but also for input-output sets associated with the same approach. In addition, intermediation input-output specifications tend to produce higher efficiency scores than production-like specifications.

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“…Interestingly, studies have examined banking industry efficiency through the lens of technical efficiency (e.g., Horvatova, 2018;Saha, Ahmad, & Dash, 2015;Moradi-Motlagh & Saleh, 2014;Banker, Chang & Lee, 2010;Casu & Giradone, 2006), and cost and allocative efficiencies (e.g., Kasman & Carvallo, 2013;Akeem & Moses, 2014;Kumar, 2013;Feng & Serletis, 2009;Hartman, Storbeck, Byrnes, 2001). In addition, the industry has been examined in single country studies (e.g., Ding & Sickles, 2018;Hassan & Jreisat, 2016, Vu & Turnell, 2011, cross-country studies (e.g., Rekik & Kalai, 2018;Banerjee, 2013;Kasman & Carvallo, 2013), and under approaches that include ratio analysis (e.g., Klaassen, & van Eeghen, 2015;Kumbirai & Webb, 2010) and frontier analysis (e.g., Moradi-Motlagh, Valadkhani, & Saleh, 2015;Weill, 2004;Berger & Humphrey, 1997). Typically, ratio analysis studies assess profitability, liquidity, solvency, and leverage ratios, declaring improvements in these ratios over time as indicative of good performance (Kumbirai & Webb, 2010).…”

Section: Review Of Literaturementioning

confidence: 99%

Cost Efficiency Determinants: Evidence from the Canadian Banking Industry

Oredegbe¹

2019

IJBM

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This study examines the cost efficiency of the banking industry in Canada. Utilizing 12 years of data (i.e., 2006 to 2017), and a two-stage data envelopment analysis (DEA), it provides insight on the determinants of the industry’s cost efficiency. It finds that the industry is cost inefficient, and that it could reduce costs by 11.52 percent. The cost inefficiency is due to technical and allocative inefficiencies, with technical inefficiency playing a dominant role. The technical efficiency decomposition shows that pure technical efficiency improved, but the scale efficiency deteriorated. The analysis of the determinants of cost efficiency reveals that deposit conversion into loans, high capitalization, and managerial tolerance for increase in administrative expense drive cost efficiency. On the other hand, market power and diversification diminish cost efficiency. In addition, the impact of profitability and credit risk are inconsequential to cost efficiency. This study contributes to literature by providing insights unique to Canada. Managers in the industry, policy makers, and regulators can point to these findings as empirical evidence supporting measures aimed at increasing the industry’s competitiveness and resilience.

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Banking Sector Efficiency in New EU Member States

Cited by 9 publications

References 21 publications

Konvergencija bankovnih sustava EU

Konvergencija bankovnih sustava EU

Impact of an input-output specification on efficiency scores in data envelopment analysis: A banking case study

Cost Efficiency Determinants: Evidence from the Canadian Banking Industry

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