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Labor-Use Efficiency in Indian Banking: A Branch Level Analysis

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Author Info
Abhiman Das (Reserve Bank of India)
Subhash C. Ray (University of Connecticut)
Ashok Nag (Reserve Bank of India)

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Abstract

This paper uses Data Envelopment Analysis to measure labor use efficiency of individual branches of a large public sector bank with several thousand branches across India. We find considerable variation in the average levels of efficiency across the four metropolitan regions considered in this study. In this context, we introduce the concept of area or spatial efficiency for each region relative to the nation as a whole. Our findings suggest that the policies, procedures, and incentives handed down from the corporate level cannot fully neutralize the influence of the local work culture in the different regions. Most of the potential reduction in labor cost appears to be coming from possible downsizing the clerical and subordinate staff. Our analysis identifies branches that operate at very low levels of efficiency and may be gainfully merged with other branches wherever possible.

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Publisher Info
Paper provided by University of Connecticut, Department of Economics in its series Working papers with number 2005-04.

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Length: 26 pages
Date of creation: Mar 2005
Date of revision:
Handle: RePEc:uct:uconnp:2005-04

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Related research
Keywords: Bank; Efficiency; Branch; Cost;

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Find related papers by JEL classification:
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
L11 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Production, Pricing, and Market Structure; Size Distribution of Firms
L89 - Industrial Organization - - Industry Studies: Services - - - Other
C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data

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References listed on IDEAS
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  1. Athanassopoulos, Antreas D., 1997. "Service quality and operating efficiency synergies for management control in the provision of financial services: Evidence from Greek bank branches," European Journal of Operational Research, Elsevier, vol. 98(2), pages 300-313, April. [Downloadable!] (restricted)
  2. Banerjee, Abhijit, 2002. "Strategy for Economic Reform in West Bengal," Working Papers 02-13, Cornell University, Center for Analytic Economics. [Downloadable!]
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