Article Abstract:
The major economic difficulties experienced by commercial banking during the late 1980s has made bank performance and efficiency questionable. Data envelopment analysis is used to examine the technical efficiency of 201 major banks from 1984 to 1990. Average bank technical inefficiency of just over 5% was lower than existing estimates. More profitable banks had higher levels of technical efficiency. However, these larger banks tend to operate at decreasing returns to scale.
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Article Abstract:
Multiple banking associations are connected with a greater riskiness of the borrowers, though the effect is reasonable as opposed to the significance of real and financial factors obtained from balance sheets. There is insufficient empirical proof on the impact of multiple credit associations on the susceptibility of corporate borrowers. The appearance among the lenders of one major bank appears to foster more discipline in borrower companies.
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Article Abstract:
This study examines the productivity growth for a group of 201 large US commercial banks over the years of 1984 - 1990.
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