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Financial Reforms and Banking Efficiency: Case of Pakistan

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  • Ahmad, Usman
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    Abstract

    This paper attempts to analyze the performance of the banking sector of Pakistan in the light of second generation reforms on the domestic scheduled banks by using data from 1990 to 2008. For this purpose I used Non Parametric Data Envelopment Analysis (DEA). The analysis revealed an overall improvement in the efficiency of commercial banks. It implies that financial sector reforms, particularly the second phase of reforms, improved the efficiency of the commercial bank in Pakistan. After the reforms, pure technical efficiency increased as compared to scale efficiency and it was found that the overall efficiency of the industry has increased due to pure technical efficiency. The study concludes that the reforms were successful in improving the efficiency of the domestic commercial banks in Pakistan.

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    Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 34220.

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    Date of creation: 06 Mar 2011
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    Handle: RePEc:pra:mprapa:34220

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    Keywords: Efficiency; Banks; DEA; Pakistan;

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    1. Altunbas, Yener & Goddard, John & Molyneux, Phil, 1999. "Technical change in banking," Economics Letters, Elsevier, Elsevier, vol. 64(2), pages 215-221, August.
    2. Charnes, A. & Cooper, W. W. & Rhodes, E., 1978. "Measuring the efficiency of decision making units," European Journal of Operational Research, Elsevier, Elsevier, vol. 2(6), pages 429-444, November.
    3. Aly, Hassan Y, et al, 1990. "Technical, Scale, and Allocative Efficiencies in U.S. Banking: An Empirical Investigation," The Review of Economics and Statistics, MIT Press, vol. 72(2), pages 211-18, May.
    4. Banker, Rajiv D & Maindiratta, Ajay, 1988. "Nonparametric Analysis of Technical and Allocative Efficiencies in Production," Econometrica, Econometric Society, Econometric Society, vol. 56(6), pages 1315-32, November.
    5. Berg, Sigbjorn Atle & Forsund, Finn R. & Hjalmarsson, Lennart & Suominen, Matti, 1993. "Banking efficiency in the Nordic countries," Journal of Banking & Finance, Elsevier, Elsevier, vol. 17(2-3), pages 371-388, April.
    6. John C. Topuz & Ali F. Darrat & Roger M. Shelor, 2005. "Technical, Allocative and Scale Efficiencies of REITs:," Journal of Business Finance & Accounting, Wiley Blackwell, Wiley Blackwell, vol. 32(9-10), pages 1961-1994.
    7. Musleh-Ud Din & Ejaz Ghani & Sarfraz K. Qureshi, 1996. "Scale and Scope Economies in Banking: A Case Study of the Agricultural Development Bank of Pakistan," The Pakistan Development Review, Pakistan Institute of Development Economics, Pakistan Institute of Development Economics, vol. 35(3), pages 203-213.
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