Download or read book Fee based Services and Cost Efficiency in Commercial Banks written by Robert DeYoung and published by . This book was released on 1994 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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:
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.
Download or read book Bank Costs Structure and Performance written by James W. Kolari and published by Free Press. This book was released on 1987 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Describe the market innovation, deregulation, and the U.S. banking, cost economic in banking, recent empirical evidence in a competitive environment cost economics of banks with different product mixes, cost structure of electronic computer technology, cost efficiency and bank failur.
Download or read book Creating Value in Financial Services written by Edward L. Melnick and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 486 pages. Available in PDF, EPUB and Kindle. Book excerpt: Creating Value in Financial Services is a compilation of state-of-the-art views of leading academics and practitioners on how financial service firms can succeed in today's competitive environment. The book is based on two conferences held at New York University: the first, `Creating Value in Financial Services', held in March 1997, and the second, `Operations and Productivity in Financial Services', in April 1998. The book is essentially designed to be a compendium of leading edge thinking and practice in the management of financial services firms. There is no book today that has this focus. It contains ideas that can apply to other service industries. Topics addressed are increasingly important worldwide as the financial services industries consolidate and search for innovative new directions and ways to create value in a fiercely competitive environment.
Download or read book Modern Bank Behaviour written by Juan Fernández de Guevara Radoselovics and published by Springer. This book was released on 2015-12-25 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: Updated insight into key facts impacting on financial institutions after the financial crisis, highlighting areas of major policy and academic interest. The book includes ten chapters analysing contrasting issues such as intellectual capital, cost efficiency, bank stability, credit risk and business models for the wealth management industry.
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 1996 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper addresses a little examined intersection between the problem loan literature and the bank efficiency literature. We employ Granger-causality techniques to test four hypotheses regarding the relationships among loan quality, cost efficiency and bank capital. The data suggest that problem loans precede reductions in measured cost efficiency: that cost efficiency precedes reductions in problem loans; and that reductions in capital at thinly capitalized banks precede increases in problem loans. Hence, cost efficiency may be an important indicator of future problem loans and problem banks. Our results are ambiguous concerning whether or not researchers should include loan quality in efficiency estimation.
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.
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.
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.
Download or read book The Cost Efficiency of Commercial Banks in Hong Kong written by Jim Wong and published by . This book was released on 2008 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using the stochastic frontier approach and a panel dataset of retail banks, this paper assesses the cost efficiency of the banking sector in Hong Kong. The average cost inefficiency during the period 1992-2005 is found to be about 15% to 29% of observed total costs, which is largely in line with the experience of US and European banks. Cost efficiency is found to be correlated with macroeconomic conditions, with a significant rise in cost inefficiency triggered by the Asian financial crisis and the outbreak of SARS during the period 1998-2003, partly due to the lack of perfect flexibility by banks to adjust their factor inputs in response to falling outputs. Nevertheless, the cost efficiency has started to improve by 2004 Q1, along with the recovery of the economy, and with the adjustments and streamlining by banks beginning to bear fruit. Empirical results also indicate that cost efficiency is positively correlated with bank size, suggesting large banks are on average more efficient than smaller banks.
Download or read book Productive Efficiency in Commercial Banking written by William Longbrake and published by . This book was released on 2015 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: A three-component measure of output is more responsive to complex production-cost relationships in multi-plant firms producing several nonhomogeneous products than the customary single measure of output. The parameters of these three components in the statistical cost function indicate the effects of changes in the scale of operations caused by changes in plant size, firm structure, and type of customer on direct operating costs. Knowledge about the magnitudes of each of these three scale effects is important for regulators in guiding changes in the structure of the banking industry which will protect the viability of the banking system, preserve competition, and promote productive efficiency. This information is also useful to bankers in planning for expansion.Only one of the major productive activities-demand deposit services-in the commercial banking industry was analyzed in this study. Therefore, although the demand deposit results have implications for regulatory policy, these implications may be tempered by the results for other banking activities which were not analyzed in this study.Analysis of the results led to the conclusion that the number of offices operated by a branch bank has little effect on average operating costs per dollar of demand deposits. However, when average office size, as measured by the number of demand deposit accounts, increases, average costs decline in all banks except unit banks which are not affiliated with holding companies. An increase in average account size results in a substantial decline in average costs in banks belonging to all forms of organization. This evidence led to the conclusion that a specification of the statistical cost function which does not restrict the parameters of the three components of total demand deposits-number of accounts, average account size, and number of offices-to be equal is superior to a specification in which these parameters are restricted. The results also suggested that unit and branch nonaffiliated banks with a small average account size and a below average number of demand deposit accounts per office have lower operating costs per dollar of demand deposits than unit and branch affiliated banks. The reverse conclusion holds when average account balance and the number of accounts per office are large.
Download or read book The Productive Efficiency of North Carolina Commercial Banks written by John A. Haslem and published by . This book was released on 1975 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Deteriorating Cost Efficiency in Commercial Banks Signals an Increasing Risk of Failure written by Anca Podpiera and published by . This book was released on 2005 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Efficiency in European Banking written by Philip Molyneux and published by . This book was released on 1996-09-27 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study examines the current state of banking within Europe. It describes how banks are experiencing greater deregulation, allowing for stronger competition and a more restrictive regulation of supervision. This has led to corporate restructuring within the banking industry.
Download or read book Understanding Barriers to Financial Access Insights from Bank Pricing Data written by Ms. Kazuko Shirono and published by International Monetary Fund. This book was released on 2024-07-12 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Greater availability of financial access related data in recent years is increasingly enabling policymakers to better track and monitor financial access trends and developments. However, data on barriers to financial access, including costs associated with using financial services—a key factor of financial exclusion—remain scarce. To gain insight into the costs of financial access faced by the low-income segments of population, this paper presents an analysis of a novel dataset on bank pricing containing information on fees and charges associated with various banking services—collected as part of the United Nations Capital Development Fund’s (UNCDF) Making Access Possible (MAP) program—based on a market research approach for 34 low- and middle-income countries in the ASEAN, SADC, and WAEMU regions. The results of our affordability analysis reveal that the costs of maintaining a bank checking account and conducting a few basic transactions can exceed 5 percent of monthly income for consumers in more than 10 percent of the countries in the sample, mainly in the WAEMU and SADC regions. These findings underscore the considerable challenge of affordability as a significant barrier to access to financial services, especially for low-income households and SMEs. The analysis also highlights the need to collect more granular data on the affordability aspect of financial access to facilitate more effective policymaking.
Download or read book Credit Cost and Cost Efficiency of Commercial Banks written by Sompassorn Ruksomboonde and published by . This book was released on 2017 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: The present study examines the relationship between credit cost and bank efficiency. The samples include commercial banks of eight countries in both Europe and America from 2008 to 2017. This paper also investigates the effect of bank type (wholesale or nonwholesale bank) and bank size on the relationship between credit cost and bank efficiency. Using panel fixed effect model, I found that the increase in credit cost leads to bank inefficiency. In addition, the result confirms that the type of banks has no effect on this relationship. However, larger banks with increasing trend of credit cost do manage cost more efficiently than smaller banks. These findings simply imply that banks which have fewer bad loans and fewer restrictions on how to set aside provision for bad debts become more efficient, thereby enhancing the bank stability and overall performance.
