Cross-regional analysis of banking efficiency drivers
The banking industry plays a crucial role in any economy by providing diverse services aimed at enhancing economic growth. In recent decades, this sector has been transformed due to financial liberalization and new regulatory rules. Therefore, measuring the efficiency of banking institutions is crit...
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| Veröffentlicht in: | Applied economics 2021-04, Vol.53 (18), p.2042-2065 |
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| container_title | Applied economics |
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| creator | Paulet, Elisabeth Mavoori, Hareesh |
| description | The banking industry plays a crucial role in any economy by providing diverse services aimed at enhancing economic growth. In recent decades, this sector has been transformed due to financial liberalization and new regulatory rules. Therefore, measuring the efficiency of banking institutions is critically important to identify the evolution of efficiency drivers for banks. Based on a sample of 90 individual banks from four different world regions (Europe, US, China, and India), this paper conducts data envelopment, stochastic frontier and anova analyses to measure cost efficiency over a 15-year period (2002-2016). While the overall liberalization of financial markets seems to induce a convergence among efficiency strategies privileging cost minimization to improve efficiency, the existence of state intervention in China and India nuances our results. State owned banks base their efficiency more on maximization of their potential revenue than on controlling costs. On the contrary, their private peers are more similar to Western peers. |
| doi_str_mv | 10.1080/00036846.2020.1855312 |
| format | Article |
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In recent decades, this sector has been transformed due to financial liberalization and new regulatory rules. Therefore, measuring the efficiency of banking institutions is critically important to identify the evolution of efficiency drivers for banks. Based on a sample of 90 individual banks from four different world regions (Europe, US, China, and India), this paper conducts data envelopment, stochastic frontier and anova analyses to measure cost efficiency over a 15-year period (2002-2016). While the overall liberalization of financial markets seems to induce a convergence among efficiency strategies privileging cost minimization to improve efficiency, the existence of state intervention in China and India nuances our results. State owned banks base their efficiency more on maximization of their potential revenue than on controlling costs. 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On the contrary, their private peers are more similar to Western peers.</description><subject>Banking</subject><subject>Banks</subject><subject>Convergence</subject><subject>Economic analysis</subject><subject>Economic growth</subject><subject>Economic theory</subject><subject>Efficiency</subject><subject>Financial liberalization</subject><subject>Humanities and Social Sciences</subject><subject>Input minimization</subject><subject>Liberalization</subject><subject>Minimization</subject><subject>output maximization</subject><subject>private banks</subject><subject>regulation</subject><subject>state bank</subject><subject>State intervention</subject><issn>0003-6846</issn><issn>1466-4283</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>2021</creationdate><recordtype>article</recordtype><recordid>eNp9kE9LAzEQxYMoWKsfQVjw5GFrMvmz25ulqBUKXvQcstmkpm43NWkr--3NslVvXmaYx-_NMA-ha4InBJf4DmNMRcnEBDAkqeScEjhBI8KEyBmU9BSNeibvoXN0EeM6jQRoMUJ8HnyMeTAr51vVZCqVLrqYeZtVqv1w7Soz1jrtTKu7rA7uYEK8RGdWNdFcHfsYvT0-vM4X-fLl6Xk-W-aaCdjlAKYCLSpcEl0TanilC02oZsA1WKirespICcSwsmZFZQqjqJpaqwrGaw6KjtHtsPddNXIb3EaFTnrl5GK2lL2GKZliBuxAEnszsNvgP_cm7uTa70N6J0rgmAmKC8oTxQdK938HY3_XEiz7NOVPmrJPUx7TTL5s8BntWxf_XAXnrOSUioTcD4hrrQ8b9eVDU8ud6hofbFCtTjb6_5VvztWETg</recordid><startdate>20210415</startdate><enddate>20210415</enddate><creator>Paulet, Elisabeth</creator><creator>Mavoori, Hareesh</creator><general>Routledge</general><general>Taylor & Francis Ltd</general><general>Taylor & Francis (Routledge)</general><scope>OQ6</scope><scope>AAYXX</scope><scope>CITATION</scope><scope>8BJ</scope><scope>FQK</scope><scope>JBE</scope><scope>1XC</scope><scope>BXJBU</scope></search><sort><creationdate>20210415</creationdate><title>Cross-regional analysis of banking efficiency drivers</title><author>Paulet, Elisabeth ; Mavoori, Hareesh</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c462t-22eb2c6b081cd13e5bc7c13c425c2f2dbd941821e48d47be7ea3a9ffa745d52a3</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>2021</creationdate><topic>Banking</topic><topic>Banks</topic><topic>Convergence</topic><topic>Economic analysis</topic><topic>Economic growth</topic><topic>Economic theory</topic><topic>Efficiency</topic><topic>Financial liberalization</topic><topic>Humanities and Social Sciences</topic><topic>Input minimization</topic><topic>Liberalization</topic><topic>Minimization</topic><topic>output maximization</topic><topic>private banks</topic><topic>regulation</topic><topic>state bank</topic><topic>State intervention</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Paulet, Elisabeth</creatorcontrib><creatorcontrib>Mavoori, Hareesh</creatorcontrib><collection>ECONIS</collection><collection>CrossRef</collection><collection>International Bibliography of the Social Sciences (IBSS)</collection><collection>International Bibliography of the Social Sciences</collection><collection>International Bibliography of the Social Sciences</collection><collection>Hyper Article en Ligne (HAL)</collection><collection>HAL-SHS: Archive ouverte en Sciences de l'Homme et de la Société</collection><jtitle>Applied economics</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Paulet, Elisabeth</au><au>Mavoori, Hareesh</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Cross-regional analysis of banking efficiency drivers</atitle><jtitle>Applied economics</jtitle><date>2021-04-15</date><risdate>2021</risdate><volume>53</volume><issue>18</issue><spage>2042</spage><epage>2065</epage><pages>2042-2065</pages><issn>0003-6846</issn><eissn>1466-4283</eissn><abstract>The banking industry plays a crucial role in any economy by providing diverse services aimed at enhancing economic growth. 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| ispartof | Applied economics, 2021-04, Vol.53 (18), p.2042-2065 |
| issn | 0003-6846 1466-4283 |
| language | eng |
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| source | Business Source Complete |
| subjects | Banking Banks Convergence Economic analysis Economic growth Economic theory Efficiency Financial liberalization Humanities and Social Sciences Input minimization Liberalization Minimization output maximization private banks regulation state bank State intervention |
| title | Cross-regional analysis of banking efficiency drivers |
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