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Loan Efficiency in the Visegrad Countries

Author

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  • Kristína Kočišová

    (Faculty of Economics, Department of Banking and Investment, Technical University of Košice, Slovak Republic)

Abstract

Financial markets in the Visegrad countries have undergone several changes in lending business over the past decade. This study evaluates the efficiency of the largest commercial banks by focusing on their lending decisions using Data Envelopment Analysis. First, we define the concept of efficiency, then we analyse loan efficiency between 2007 and 2013. The results indicate that average efficiency declined. When we studied the loan efficiency in each country separately, we found that Hungarian banks had the lowest efficiency while the highest efficiency was achieved mainly by Czech banks. The results of the study also suggest that efficiency is positively related to profitability and capital adequacy, and negatively related to the share of non-performing loans, which confirms the bad management hypothesis.

Suggested Citation

  • Kristína Kočišová, 2015. "Loan Efficiency in the Visegrad Countries," Acta Oeconomica, Akadémiai Kiadó, Hungary, vol. 65(supplemen), pages 161-181, December.
    • Handle: RePEc:aka:aoecon:v:65:y:2015:i:supplement1:p:161-181
    Note: This work was supported by the Slovak Scientific Grant Agency as part of the research project VEGA 1/0446/15.
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    More about this item

    Keywords

    loan efficiency; commercial banks; V4 countries; Data Envelopment Analysis;
    All these keywords.

    JEL classification:

    • C14 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Semiparametric and Nonparametric Methods: General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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