IDEAS home Printed from https://ideas.repec.org/p/zbw/roswps/107.html
   My bibliography  Save this paper

Der Einfluss regionaler und demographischer Umfeldfaktoren auf die Kosten- und Ertragssituation von Sparkassen: Eine Effizienzanalyse

Author

Listed:
  • Conrad, Alexander
  • Neuberger, Doris
  • Trigo Gamarra, Lucinda

Abstract

Aufgrund der starken regionalen Verankerung kann bei den Sparkassen ein besonderes Interesse an den Folgen des demographischen Wandels und speziell von Alterung und Abwanderung vermutet werden. Dabei sind die Sparkassen nicht nur über das Regionalprinzip eng mit einer bestimmten Region verbunden. Der öffentliche Auftrag verpflichtet sie zudem, die Regionalentwicklung mit dem Ziel der Angleichung der Lebensverhältnisse im Bundesgebiet zu fördern und dementsprechend den Risiken der demographischen Entwicklung für die Regionen Deutschlands entgegenzutreten. Vor diesem Hintergund wird im Rahmen einer zweistufigen Effizienzanalyse untersucht, wie sich regionale und demographische Umfeldfaktoren auf die Wirtschaftlichkeit und damit auf die Fähigkeit der Sparkassen, langfristig in den verschiedenen Regionen Deutschlands (dünn/dicht besiedelt, schrumpfend/wachsend, wirtschaftlich schwach/stark) präsent zu sein, auswirken. Im ersten Schritt werden mithilfe der Data Envelopment Analysis sparkassenindividuelle Effizienzwerte berechnet. Diese werden anschließend mittels Regressionsanalyse den regionalen und demographischen Umfeldfaktoren gegenübergestellt. Es zeigt sich, dass die untersuchten Umfeldfaktoren Signifikanz und Relevanz besitzen und dass Sparkassen in wirtschaftlich schwierigen bzw. weniger attraktiven Geschäftsgebieten vergleichsweise effizienter sind. Darüber hinaus bestehen Unterschiede hinsichtlich Einflussrichtung und -stärke der untersuchten Umfeldfaktoren, wenn zwischen Sparkassen in schrumpfenden (Bevölkerungsverluste) und wachsenden (Bevölkerungszuwächse) Regionen unterschieden wird.

Suggested Citation

  • Conrad, Alexander & Neuberger, Doris & Trigo Gamarra, Lucinda, 2009. "Der Einfluss regionaler und demographischer Umfeldfaktoren auf die Kosten- und Ertragssituation von Sparkassen: Eine Effizienzanalyse," Thuenen-Series of Applied Economic Theory 107, University of Rostock, Institute of Economics.
  • Handle: RePEc:zbw:roswps:107
    as

    Download full text from publisher

    File URL: https://www.econstor.eu/bitstream/10419/39742/1/610729586.pdf
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Drake, Leigh & Hall, Maximilian J.B. & Simper, Richard, 2006. "The impact of macroeconomic and regulatory factors on bank efficiency: A non-parametric analysis of Hong Kong's banking system," Journal of Banking & Finance, Elsevier, vol. 30(5), pages 1443-1466, May.
    2. Oliver Vins & Michael Koetter, 2008. "The Quiet Life Hypothesis in Banking - Evidence from German Savings Banks," Working Paper Series: Finance and Accounting 190, Department of Finance, Goethe University Frankfurt am Main.
    3. Alexander Conrad & Doris Neuberger & Maria Schneider-Reißig, 2009. "Geographic and Demographic Bank Outreach: Evidence from Germany’s Three-Pillar Banking System," Credit and Capital Markets, Credit and Capital Markets, vol. 42(3), pages 377-411.
    4. 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.
    5. Ana Lozano-Vivas & Jesús Pastor & José Pastor, 2002. "An Efficiency Comparison of European Banking Systems Operating under Different Environmental Conditions," Journal of Productivity Analysis, Springer, vol. 18(1), pages 59-77, July.
    6. Mohamed Chaffai & Michel Dietsch & Ana Lozano-Vivas, 2001. "Technological and Environmental Differences in the European Banking Industries," Journal of Financial Services Research, Springer;Western Finance Association, vol. 19(2), pages 147-162, April.
    7. Franz R. Hahn, 2006. "Effizienz der österreichischen Banken. Eine Best-Practice-Analyse," WIFO Monatsberichte (monthly reports), WIFO, vol. 79(11), pages 795-804, November.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Manfred Neumann, 2011. "Comment on ‘Competition Tests with a Non‐Structural Model: The Panzar–Rosse Method Applied to Germany's Savings Banks’," German Economic Review, Verein für Socialpolitik, vol. 12(2), pages 239-241, May.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Avkiran, Necmi K. & Thoraneenitiyan, Nakhun, 2010. "Purging data before productivity analysis," Journal of Business Research, Elsevier, vol. 63(3), pages 294-302, March.
    2. Franz R. Hahn, 2007. "Determinants of Bank Efficiency in Europe. Assessing Bank Performance Across Markets," WIFO Studies, WIFO, number 31499, December.
    3. Williams, Jonathan, 2004. "Determining management behaviour in European banking," Journal of Banking & Finance, Elsevier, vol. 28(10), pages 2427-2460, October.
    4. Bos, J.W.B. & Schmiedel, H., 2007. "Is there a single frontier in a single European banking market?," Journal of Banking & Finance, Elsevier, vol. 31(7), pages 2081-2102, July.
    5. Conrad, Alexander & Neuberger, Doris & Trigo Gamarra, Lucinda, 2009. "The impact of regional and demographic factors on the efficiency of German savings banks," Thuenen-Series of Applied Economic Theory 111, University of Rostock, Institute of Economics.
    6. Belousova, V. & Kozyr, I., 2016. "How Do Macroeconomic Indicators Influence Banking Profitability in Russia?," Journal of the New Economic Association, New Economic Association, vol. 30(2), pages 77-103.
    7. Williams, Jonathan & Nguyen, Nghia, 2005. "Financial liberalisation, crisis, and restructuring: A comparative study of bank performance and bank governance in South East Asia," Journal of Banking & Finance, Elsevier, vol. 29(8-9), pages 2119-2154, August.
    8. Belousova, Veronika & Karminsky, Alexander & Kozyr, Ilya, 2018. "The macroeconomic and institutional determinants of the profit efficiency frontier for Russian banks," Applied Econometrics, Russian Presidential Academy of National Economy and Public Administration (RANEPA), vol. 49, pages 91-114.
    9. Bos, J.W.B. & Kool, C.J.M., 2006. "Bank efficiency: The role of bank strategy and local market conditions," Journal of Banking & Finance, Elsevier, vol. 30(7), pages 1953-1974, July.
    10. Lee, Chi-Chuan & Huang, Tai-Hsin, 2016. "Productivity changes in pre-crisis Western European banks: Does scale effect really matter?," The North American Journal of Economics and Finance, Elsevier, vol. 36(C), pages 29-48.
    11. Jill Johnes & Marwan Izzeldin & Vasileios Pappas, 2012. "A comparison of performance of Islamic and conventional banks 2004 to 2009," Working Papers 12893801, Lancaster University Management School, Economics Department.
    12. Lozano-Vivas, Ana & Pastor, Jesús, 2007. "Do Performance and Environmental Conditions Behave as Barriers for Cross-Country Banking Activity in Europe?," Efficiency Series Papers 2007/03, University of Oviedo, Department of Economics, Oviedo Efficiency Group (OEG).
    13. Halkos, George Emm. & Tzeremes, Nickolaos G., 2011. "Modelling the effect of national culture on multinational banks' performance: A conditional robust nonparametric frontier analysis," Economic Modelling, Elsevier, vol. 28(1), pages 515-525.
    14. Drake, Leigh & Hall, Maximilian J.B. & Simper, Richard, 2006. "The impact of macroeconomic and regulatory factors on bank efficiency: A non-parametric analysis of Hong Kong's banking system," Journal of Banking & Finance, Elsevier, vol. 30(5), pages 1443-1466, May.
    15. Thoraneenitiyan, Nakhun & Avkiran, Necmi K., 2009. "Measuring the impact of restructuring and country-specific factors on the efficiency of post-crisis East Asian banking systems: Integrating DEA with SFA," Socio-Economic Planning Sciences, Elsevier, vol. 43(4), pages 240-252, December.
    16. Abdul-Majid, Mariani & Falahaty, Manizheh & Jusoh, Mansor, 2017. "Performance of Islamic and conventional banks: A meta-frontier approach," Research in International Business and Finance, Elsevier, vol. 42(C), pages 1327-1335.
    17. J.W.B. Bos & H. Schmiedel, 2003. "Comparing Efficiency in European Banking: a Meta Frontier Approach," Research Series Supervision (discontinued) 57, Netherlands Central Bank, Directorate Supervision.
    18. Cubillas, Elena & Suárez, Nuria, 2018. "Bank market power and lending during the global financial crisis," Journal of International Money and Finance, Elsevier, vol. 89(C), pages 1-22.
    19. Ihsen Abid & Mohamed Goaied, 2017. "Benchmarking Banking Efficiency Using a Meta-Profit Function," Journal of Quantitative Economics, Springer;The Indian Econometric Society (TIES), vol. 15(1), pages 45-74, March.
    20. Lozano-Vivas, Ana & Pastor, Jesús T., 2010. "Do performance and environmental conditions act as barriers for cross-border banking in Europe?," Omega, Elsevier, vol. 38(5), pages 275-282, October.

    More about this item

    Keywords

    Sparkassen; Effizienz; Data Envelopment Analysis; Regressionsanalyse; demographischer Wandel; schrumpfende Regionen;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D21 - Microeconomics - - Production and Organizations - - - Firm Behavior: Theory
    • D24 - Microeconomics - - Production and Organizations - - - Production; Cost; Capital; Capital, Total Factor, and Multifactor Productivity; Capacity

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:zbw:roswps:107. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (ZBW - Leibniz Information Centre for Economics). General contact details of provider: https://edirc.repec.org/data/ivrosde.html .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.