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Analysis of Banking Efficiency and Convergence

In: Monetary Policies, Banking Systems, Regulatory Convergence, Efficiency and Growth in the Mediterranean

Author

Listed:
  • Rym Ayadi

    (Centre for European Policy Studies)

  • Sami Mouley

    (University of Tunis)

Abstract

The process of financial reform undertaken by both developed and developing countries aimed to establish a market-based financial sector, to boost bank competition through improved mobilisation of savings, to enhance market-based allocation of resources and to foster more efficient risk-management capabilities. However, the conventional wisdom relating to the positive effect of reforms on financial sector performance is not always validated by empirical studies (Berger et al., 2000). Despite a vast literature on the effects of deregulation on the efficiency and productivity of banks (see Berger and Mester, 2003; Mukherjee et al., 2001; Isik and Hassan, 2003; Zhao et al., 2010; among others) deregulation seems to have had a positive effect in some countries but not in others. Indeed, the outcome of deregulation policies seems to reflect several country-specific demand and supply conditions of the banking industry prior to deregulation.

Suggested Citation

  • Rym Ayadi & Sami Mouley, 2014. "Analysis of Banking Efficiency and Convergence," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Monetary Policies, Banking Systems, Regulatory Convergence, Efficiency and Growth in the Mediterranean, chapter 4, pages 157-180, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-1-137-00348-5_5
    DOI: 10.1057/9781137003485_5
    as

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