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An international scorecard for measuring bank performance: The case of Dutch banks

  • J.W.B. Bos
  • J.A.J. Draulans
  • D. van den Kommer
  • B.A. Verhoef

Measuring bank performance solely on the basis of profitability conveys significant information about past performance, but may provide little information about expectations for future performance. Therefore, this paper relies on a much broader definition of performance and introduces a scorecard where performance is measured on the basis of four performance criteria: (i) profitability; (ii) risk; (iii) market power, and (iv) efficiency. We use this scorecard to compare the performance of major Dutch banks with similar banks in Germany, France, Italy, Switzerland, the United Kingdom and the US.

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File URL: http://www.dnb.nl/en/binaries/occ%20stud42_tcm47-146647.pdf
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Paper provided by Netherlands Central Bank, Research Department in its series DNB Occasional Studies with number 402.

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Date of creation: Apr 2006
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Handle: RePEc:dnb:dnbocs:402
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Web page: http://www.dnb.nl/en/
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  1. Allen N. Berger & David B. Humphrey, 1997. "Efficiency of financial institutions: international survey and directions for future research," Finance and Economics Discussion Series 1997-11, Board of Governors of the Federal Reserve System (U.S.).
  2. Altunbas, Y. & Gardener, E. P. M. & Molyneux, P. & Moore, B., 2001. "Efficiency in European banking," European Economic Review, Elsevier, vol. 45(10), pages 1931-1955, December.
  3. Berger, Allen N. & Mester, Loretta J., 2003. "Explaining the dramatic changes in performance of US banks: technological change, deregulation, and dynamic changes in competition," Journal of Financial Intermediation, Elsevier, vol. 12(1), pages 57-95, January.
  4. Cowling, Keith & Waterson, Michael, 1976. "Price-Cost Margins and Market Structure," Economica, London School of Economics and Political Science, vol. 43(171), pages 267-74, August.
  5. Joseph P. Hughes & Loretta J. Mester, 1993. "Accounting for the demand for financial capital and risk-taking in bank cost functions," Working Papers 93-17, Federal Reserve Bank of Philadelphia.
  6. Pastor, JoseManuel & Perez, Francisco & Quesada, Javier, 1997. "Efficiency analysis in banking firms: An international comparison," European Journal of Operational Research, Elsevier, vol. 98(2), pages 395-407, April.
  7. Saunders, Anthony & Walter, Ingo, 1994. "Universal Banking in the United States: What Could We Gain? What Could We Lose?," OUP Catalogue, Oxford University Press, number 9780195080698.
  8. J.A. Bikker & K. Haaf, 2000. "Competition, concentration and their relationship: an empirical analysis of the banking industry," Research Series Supervision (discontinued) 30, Netherlands Central Bank, Directorate Supervision.
  9. Mohamed Chaffai & Michel Dietsch & Ana Lozano-Vivas, 2001. "Technological and Environmental Differences in the European Banking Industries," Journal of Financial Services Research, Springer, vol. 19(2), pages 147-162, April.
  10. Dietsch, Michel & Lozano-Vivas, Ana, 2000. "How the environment determines banking efficiency: A comparison between French and Spanish industries," Journal of Banking & Finance, Elsevier, vol. 24(6), pages 985-1004, June.
  11. Mankila, Merja, 2001. "Application of Price Bundling Strategies in Retail Banking in Europe," FE rapport 2001-379, University of Gothenburg, Department of Business Administration.
  12. Ruthenberg, David & Elias, Ricky, 1996. "Cost economies and interest rate margins in a unified European banking market," Journal of Economics and Business, Elsevier, vol. 48(3), pages 231-249, August.
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