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The Effect Of Banking Expansion On Profit Efficiency Of Saudi Arabia Commercial Banks

Author

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  • Dr. Nader Alber

    () (Associate Professor, Faculty of Commerce, Ain Shams University)

Abstract

This paper aims at analyzing the profit efficiency of the Saudi Arabia Commercial banks, and testing how it could be affected by banking expansion. This has been conducted using a sample of 6 commercial banks (out of 11), and covering the period from 1998 to 2007. Profit efficiency has been measured, using the ratio of actual profitability to the best one, which a similar bank (in size) can realize. Tests indicated that we could accept hypotheses regarding the effects of "availability of phone banking", "number of ATMs" and "number of branches" on profit efficiency of Saudi banks, also referred to the need to reject the hypotheses regarding the effects of "number of POSs", "availability of PC banking" and "availability of mobile banking"

Suggested Citation

  • Dr. Nader Alber, 2011. "The Effect Of Banking Expansion On Profit Efficiency Of Saudi Arabia Commercial Banks," Journal of Global Business and Economics, Global Research Agency, vol. 3(1), pages 11-23, July.
  • Handle: RePEc:grg:01biss:v:3:y:2011:i:1:p:11-23
    as

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    References listed on IDEAS

    as
    1. Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2005. "The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations," The Journal of Business, University of Chicago Press, vol. 78(2), pages 577-596, March.
    2. Christopher R. Knittel & Victor Stango, 2003. "Price Ceilings as Focal Points for Tacit Collusion: Evidence from Credit Cards," American Economic Review, American Economic Association, vol. 93(5), pages 1703-1729, December.
    3. Tiwari, Rajnish & Buse, Stephan & Herstatt, Cornelius, 2007. "Mobile services in banking sector: The role of innovative business solutions in generating competitive advantage," Working Papers 48, Hamburg University of Technology (TUHH), Institute for Technology and Innovation Management.
    4. Stavros Zenios & Andreas Soteriou, "undated". "Efficiency, Profitability and Quality of Banking Services," Center for Financial Institutions Working Papers 97-28, Wharton School Center for Financial Institutions, University of Pennsylvania.
    5. Ausubel, Lawrence M, 1991. "The Failure of Competition in the Credit Card Market," American Economic Review, American Economic Association, vol. 81(1), pages 50-81, March.
    6. Tadesse, Solomon, 2006. "Consolidation, scale economies and technological change in Japanese banking," Journal of International Financial Markets, Institutions and Money, Elsevier, pages 425-445.
    7. Robin Prager, 2001. "The Effects of ATM Surcharges on Small Banking Organizations," Review of Industrial Organization, Springer;The Industrial Organization Society, vol. 18(2), pages 161-173, March.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

    profit efficiency; banking expansion;

    JEL classification:

    • M0 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - General

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