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Technical, Scale, and Allocative Efficiencies in U.S. Banking: An Empirical Investigation

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Author Info
Aly, Hassan Y, et al
Abstract

A nonparametric frontier approach is used to calculate the overall, technical, pure technical, allocative, and scale efficiencies for a sample of 322 independent banks. The sample was drawn from the Federal Deposit Insurance Corporation tapes on the Reports of Conditions and Reports of Income (Call Reports) for the year 1986. The results indicate a low level of overall efficiency. The main source of inefficiency is technical in nature, rather than allocative. Separate efficiency frontiers are constructed to test the effect of branching. However, the distributions of efficiency measures for branching and nonbranching banks are not found to be different. Coauthors are Richard Grabowski, Carl Pasurka, and Nanda Rangan. Copyright 1990 by MIT Press.

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Publisher Info
Article provided by MIT Press in its journal Review of Economics & Statistics.

Volume (Year): 72 (1990)
Issue (Month): 2 (May)
Pages: 211-18
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Handle: RePEc:tpr:restat:v:72:y:1990:i:2:p:211-18

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  1. Stephen M. Miller & Athanasios Noulas, 1995. "Explaining Recent Connecticut Bank Failures," Working papers 1995-01, University of Connecticut, Department of Economics. [Downloadable!]
  2. Abdul Qayyum & Sajawal Khan, 2006. "X-efficiency, Scale Economies, Technological Progress, and Competition: The Banking Sector in Pakistan," The Pakistan Development Review, Pakistan Institute of Development Economics, vol. 45(4), pages 733-748. [Downloadable!]
  3. Dong, Fengxia & Featherstone, Allen, 2004. "Technical and Scale Efficiencies for Chinese Rural Credit Cooperatives: A Bootstrapping Approach in Data Envelopment Analysis," Staff General Research Papers 11992, Iowa State University, Department of Economics. [Downloadable!]
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  4. Dániel Holló & Márton Nagy, 2006. "Bank Efficiency in the Enlarged European Union," BIS Papers chapters, in: Bank for International Settlements (ed.), The banking system in emerging economies: how much progress has been made?, volume 28, pages 217-35 Bank for International Settlements. [Downloadable!]
  5. Qayyum, Abdul & Khan, Sajawal, 2006. "X-efficiency, scale economies, Technological Progress and Competition of Pakistani’s banks," MPRA Paper 2654, University Library of Munich, Germany, revised 2006. [Downloadable!]
  6. Xavier Cuadras & Ángel S. Fernández Castro & Joan R. Rosés, 2001. "Productividad, competencia e innovación en la banca privada española (1900-1914)," Economics Working Papers 530, Department of Economics and Business, Universitat Pompeu Fabra. [Downloadable!]
  7. Jalal D. Akhavein & Allen N. Berger & David B. Humphrey, 1997. "The effects of megamergers on efficiency and prices: evidence from a bank profit function," Finance and Economics Discussion Series 1997-9, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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  8. Paul W. Bauer & Allen N. Berger & David B. Humphrey, 1991. "Inefficiency and productivity growth in banking: a comparison of stochastic econometric and thick frontier methods," Working Paper 9117, Federal Reserve Bank of Cleveland. [Downloadable!]
  9. J. David Cummins & Mary A. Weiss, 1998. "Analyzing Firm Performance in the Insurance Industry Using Frontier Efficiency Methods," Center for Financial Institutions Working Papers 98-22, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
  10. Leonardo Becchetti & Jaime Humberto Sierra Gonzalez 2, 2003. "Bankruptcy Risk and Productive Efficiency in Manufacturing Firms," CEIS Research Paper 30, Tor Vergata University, CEIS. [Downloadable!]
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  11. Allen Berger & David Humphrey, 1994. "Bank Scale Economies, Mergers, Concentration, and Efficiency: The U.S. Experience," Center for Financial Institutions Working Papers 94-25, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
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  12. Bank for International Settlements, 2006. "The banking system in emerging economies: how much progress has been made?," BIS Papers, Bank for International Settlements, number 28, 11. [Downloadable!]
  13. Allen N. Berger & David B. Humphrey, 1997. "Efficiency of financial institutions: international survey and directions for future research," Finance and Economics Discussion Series 1997-11, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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  14. Ann P. Bartel, 2000. "Human Resource Management and Performance in the Service Sector: The Case of Bank Branches," NBER Working Papers 7467, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
  15. Paul W. Bauer & Gary D. Ferrier, 1996. "Scale economies, cost efficiencies, and technological change in Federal Reserve payments," Financial Services working paper 96-01, Federal Reserve Bank of Cleveland. [Downloadable!]
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