Inside the black box: What explains differences in the efficiencies of financial institutions?
1
Board of Governors of the Federal Reserve System, 20th and C Sts. N.W., Mail Stop 153, Washington, DC 20551, USA
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2
Wharton Financial Institutions Center, Philadelphia, PA 19104, USA
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3
Federal Reserve Bank of Philadelphia, Philadelphia, PA 19106, USA
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Publication type: Journal Article
Publication date: 1997-07-01
scimago Q1
wos Q1
SJR: 1.816
CiteScore: 7.0
Impact factor: 3.8
ISSN: 03784266, 18726372
Economics and Econometrics
Finance
Abstract
Over the past several years, substantial research effort has gone into measuring the efficiency of financial institutions. Many studies have found that inefficiencies are quite large, on the order of 20% or more of total banking industry costs and about half of the industry's potential profits. There is no consensus on the sources of the differences in measured efficiency. this paper examines several possible sources, including differences in efficiency concept, measurement method, and a number of bank, market, and regulatory characteristics. We review the existing literature and provide new evidence using data on US banks over the period 1990–1995.
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1 citation
Pham Ton
3 publications
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Berger A. N. et al. Inside the black box: What explains differences in the efficiencies of financial institutions? // Journal of Banking and Finance. 1997. Vol. 21. No. 7. pp. 895-947.
GOST all authors (up to 50)
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Berger A. N., Mester L. J. Inside the black box: What explains differences in the efficiencies of financial institutions? // Journal of Banking and Finance. 1997. Vol. 21. No. 7. pp. 895-947.
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TY - JOUR
DO - 10.1016/S0378-4266(97)00010-1
UR - https://doi.org/10.1016/S0378-4266(97)00010-1
TI - Inside the black box: What explains differences in the efficiencies of financial institutions?
T2 - Journal of Banking and Finance
AU - Berger, Allen N.
AU - Mester, Loretta J.
PY - 1997
DA - 1997/07/01
PB - Elsevier
SP - 895-947
IS - 7
VL - 21
SN - 0378-4266
SN - 1872-6372
ER -
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BibTex (up to 50 authors)
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@article{1997_Berger,
author = {Allen N. Berger and Loretta J. Mester},
title = {Inside the black box: What explains differences in the efficiencies of financial institutions?},
journal = {Journal of Banking and Finance},
year = {1997},
volume = {21},
publisher = {Elsevier},
month = {jul},
url = {https://doi.org/10.1016/S0378-4266(97)00010-1},
number = {7},
pages = {895--947},
doi = {10.1016/S0378-4266(97)00010-1}
}
Cite this
MLA
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Berger, Allen N., et al. “Inside the black box: What explains differences in the efficiencies of financial institutions?.” Journal of Banking and Finance, vol. 21, no. 7, Jul. 1997, pp. 895-947. https://doi.org/10.1016/S0378-4266(97)00010-1.