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Operaciones fuera de balance y economías de escala en el sector bancario español

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Author Info
Santiago Carbó Valverde () (Universidad de Granada)
Francisco Rodríguez Fernández () (Universidad de Granada)

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Abstract

La tendencia creciente hacia la diversificación del output en el sector bancario con un papel destacado de las operaciones fuera de balance suele asociarse, al menos desde el punto de vista teórico, a la obtención de ciertas ventajas de escala. Sin embargo, la evidencia empírica internacional existente no resulta concluyente respecto a los efectos de las operaciones fuera de balance sobre las economías de escala. En este estudio se estiman las economías de escala en costes y beneficios .considerando operaciones fuera de balance- para el sector bancario español. En las estimaciones se emplean distintas definiciones del output, distintas formas funcionales flexibles y distintas aproximaciones del cambio tecnológico. Los resultados indican que, si bien se encuentran economías de escala, éstas son sensibles al tipo de operaciones consideradas, al tamaño de la entidad y al cambio tecnológico.

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Publisher Info
Paper provided by Centro de Estudios Andaluces in its series Economic Working Papers at Centro de Estudios Andaluces with number E2004/28.

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Length: 30 pages
Date of creation: 2004
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Handle: RePEc:cea:doctra:e2004_28

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Related research
Keywords: banking; scale economies; off-balance sheet activities.;

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Find related papers by JEL classification:
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance

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References listed on IDEAS
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  4. Allen N. Berger & David B. Humphrey, 1992. "Megamergers in banking and the use of cost efficiency as an antitrust defense," Finance and Economics Discussion Series 203, Board of Governors of the Federal Reserve System (U.S.).
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  6. Altunbas, Y. & Chakravarty, S. P., 2001. "Frontier cost functions and bank efficiency," Economics Letters, Elsevier, vol. 72(2), pages 233-240, August. [Downloadable!] (restricted)
  7. Tortosa-Ausina, Emili, 2003. "Nontraditional activities and bank efficiency revisited: a distributional analysis for Spanish financial institutions," Journal of Economics and Business, Elsevier, vol. 55(4), pages 371-395. [Downloadable!] (restricted)
  8. Eakin, B Kelly & McMillen, Daniel P & Buono, Mark J, 1990. "Constructing Confidence Intervals Using the Bootstrap: An Application to a Multi-Product Cost Function," The Review of Economics and Statistics, MIT Press, vol. 72(2), pages 339-44, May. [Downloadable!] (restricted)
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