Problem efektywności banków w literaturze przedmiotu
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Abstrakt
The purpose of this article is to analyze the literature related to the problem ofbank effectiveness. The article is divided into three parts. The first one is devotedto the various concepts of effectiveness. The second part discusses the methodsand tools used to measure the level of efficiency of a banking market. The thirdpart presents results of selected studies on this issue, with a special emphasis onthe banking sectors of economies during systematic transformation.
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Kubiszewska, K. (2015). Problem efektywności banków w literaturze przedmiotu. Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia I Prace, 2(3), 65–79. https://doi.org/10.33119/KKESSiP.2015.2.3.5
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Autor (Autorzy) artykułu oświadcza, że przesłane opracowanie nie narusza praw autorskich osób trzecich. Wyraża zgodę na poddanie artykułu procedurze recenzji oraz dokonanie zmian redakcyjnych. Przenosi nieodpłatnie na Oficynę Wydawniczą SGH autorskie prawa majątkowe do utworu na polach eksploatacji wymienionych w art. 50 Ustawy z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych – pod warunkiem, że praca została zaakceptowana do publikacji i opublikowana.
Oficyna Wydawnicza SGH posiada autorskie prawa majątkowe do wszystkich treści czasopisma. Zamieszczenie tekstu artykuły w repozytorium, na stronie domowej autora lub na innej stronie jest dozwolone o ile nie wiąże się z pozyskiwaniem korzyści majątkowych, a tekst wyposażony będzie w informacje źródłowe (w tym również tytuł, rok, numer i adres internetowy czasopisma).
Osoby zainteresowane komercyjnym wykorzystaniem zawartości czasopisma proszone są o kontakt z Redakcją.
Bibliografia
Aigner D. J., Lovell C. A. K., Schmidt P., Formulation and Estimation of Stochastic FrontierProduction Functions, “Journal of Econometrics” 1977, No. 6.
Albertazzi U., Gambacorta L., Bank Profitability and the Business Cycle, “Journal of FinancialStability” 2009, No. 5.
Alexiou C., Sofoklis V., Determinants of Bank Profitability, Evidence from the Greek BankingSector, “Economic Annals” 2009.
Athanasoglou Panayiotis P., Brissimis S. N., Delis M. D., Bank – Specific, “Industry-Specific And Macroeconomic” 2005.
Bankowość. Podręcznik Akademicki, red. W. L. Jaworski, Z. Zawadzka, Poltext, Warszawa 2006.
Berger A. N., Deyoung R., Udell G. F., Efficiency Barriers to The Consolidation of The EuropeanFinancial Services Industry, “European Financial Management” 2000, No. 6.
Berger A. N., Humphrey D. B., Efficiency of Financial Institutions, International Survey AndDirections For Future Research, “European Journal of Operational Research” 1997,No. 98 (2).
Bonin J., Hassan I., Wachtel P., Bank Performance, Efficiency and Ownership in TransitionCountries, “Journal of Banking And Finance” 2005, No. 29.
Bordo M., Redish A., Rockoff H., A Comparison of The US and Canadian Banking Systemsin The 20th Century: Stability and Efficiency, 1995 za E. Carletti, Ph. Hartmann, CompetitionAnd Stability: What’s Special About Banking?, “ECB Working Papers” 2002,No. 26, European Central Bank.
Bos J. W. B., Schiedel H., Comparing Efficiency in European Banking, A Meta Frontier Approach,“Research Series Supervision” 2003, No. 57, De Nederlandche Bank, Amsterdam.
Capie F., Prudent And Stable (But Inefficient), 1995 za E. Carletti, Ph. Hartmann, CometitionAnd Stability: What’s Special About Banking?, “Working Papers” 2002, No. 26,European Central Bank.
Capiga M., Ocena działalności placówki operacyjnej banku: Dylematy metodologicznei praktyczne, Wydawnictwo Akademii Ekonomicznej w Katowicach, Katowice 2003.
Carvallo O., Kasman A., Cost Efficiency in The Latin American and Caribbean Banking Systems,“Journal of International Financial Markets, Institutions and Money” 2005, No. 15.
Casu B., Girardone C., A Comparative Study of The Cost Efficiency of Italian Banking Conglomerates,“Managerial Finance” 2002, No. 28 (9).
Casu B., Molyneux P., A Comparative Study of Efficiency in European Banking, “AppliedEconomics” 2003, No. 35.
Chang C. E., Hasan I., Hunter W. C., Efficiency of Multinational Banks: An Empirical Investigations,“Applied Financial Economics” 1998, No. 8 (6).
Charnes A., Cooper W. W., Rhoes A., Measuring The Efficiency of Decision Making Units,“European Journal of Operational Research” 1978, No. 2 (6).
Demirgüç-Kunt A., Laeven L., Levine R., Regulations, Market Structure, Institutions, AndThe Cost of Financial Intermediation, “Journal of Money, Credit And Banking” 2004,Vol. 36, No. 3.
Determinants of Bank Profitability, MPRA Paper 153, University Library of Münich, Germany,Revised 2006.
Dietrich A., Wanzenried G., Determinants of Bank Profitability Before and During TheCrisis: Evidence From Switzerland, “Journal of International Financial Markets, InstitutionsAnd Money” 2011.
European Commission, The Western Balkans In Transition, “Enlargement Papers” 2004,No. 23, Directorate General for Economic and Financial Affairs.
Farrell M. J., The Meaurement Of Effective Efficiency, “Journal of Royal Statistical Society”1957, Serie A, No. 120 (3).
Forrier G. D., Lovell C. A. K., Measuring The Cost Efficiency in Banking Econometric AndLinear Programming Evidence, “Journal of Econometrics” 1990, No. 46.
Fries S., Taci A, Banking Reform And Development in Transition Economies, “WorkingPapers EBRD” 2002, No. 71.
García-Herrero A., Gavilá S., Santabárbara D., What Explains The Low Profitability of ChineseBanks?, “Journal of Banking and Finance” 2009, No. 33.
Grigorian D., Manole V., Determinants of Commercial Bank Performance in Transition,“World Bank Policy Research Paper” 2002, No. 2850.
Hasan I., Hunter W. C., Efficiency of Japanese Multinational Banks in USA, “Researchin Finance” 1996, No. 14.
Hasan I., Lozano-Vivas A., Foreign Banks, Production Technology And Efficiency: SpanishExperience, “Working Paper Presented at The Georgia Productivity Workshop III”1998, Athens, Georgia.
Havrylchyk O., Efficiency in The Polish Banking Industry: Foreign Versus Domestic Banks,“Journal of Banking and Finance” 2006, No. 30.
Hoggarth G., Milne A., Wood G., Alternative Routes To Banking Stability: A Comparison ofUK and German Banking Systems, “Financial Stability Review” 1998, Bank of England.
Hollo D., Nagy M., Bank Efficiency In The Enlarged European Union, “Working Paper”2006, No. 3, MNB, Budapest.
Isik I., Hassan M. K., Technical, Scale and Allocative Efficiencies of Turkish Banking Industry,“Journal of Banking and Finance” 2002, No. 26.
Jackowicz K., Kuryłek W., Rentowność banków komercyjnych działających w Polsce w latach1995–2001 a bieżące decyzje menedżerskie i skumulowane w czasie skutki tych decyzji,„Bank i Kredyt” 2004, nr 2, 2004.
Jemric I., Vujcic B., Efficiency of Banks in Croatia: A DEA Approach, “Working Paper”2002, No. 7, Croatian National Bank.
Kasman A., Efficiency And Scale Economies in Transition Economies: Evidence From PolandAnd The Czech Republic, “Emerging Markets Finance and Trade” 2005, No. 41.
Kasman A., Yildirim C., Cost and Profit Efficiencies in Transition Banking: The Case of NewEU Members, “Applied Economies” 2006, No. 38.
Kosmidou K., Pasiouras F., Floropoulos J., Linking Profits To Asset-Liability Management ofDomestic and Foreign Banks in The UK, “Applied Financial Economics” 2004, Vol. 14,No. 18.
Kraft E., Hofler R., Payne J., Privatization, Foreign Bank Entry and Bank Efficiency in Croatia:A Fourier-Flexible Function Stochastic Cost Efficiency Analysis, “Working Paper”2002, No. 9, Croatian National Bank.
Kraft E., Tirtiroglu D., Bank Efficiency in Croatia: A Stochastic Frontier Approach, “Journalof Comparative Economics” 1998, No. 26.
Mahajan A., Rangan N., Zardkoohi A., Cost Structures in Multinational and Domestic Banking,“Journal of Banking and Finance” 1996, No. 20 (2).
Nikiel E., Opiela T., Customer Type and Bank Efficiency in Poland: Implications for EmergingMarket Banking, “Contemporary Economic Policy” 2002, No. 20.
Pasiouras F., Kosmidou K., Factors Influencing The Profitability of Domestic and ForeignCommercial Banks in The European Union, “Research in International Business andFinance” 2007, No. 21.
Pawłowska M., Konkurencja i efektywność na polskim rynku bankowym na tle zmian strukturalnychi technologicznych, „Materiały i Studia NBP” 2005, nr 192.
Rogowski G., Metodologia analiz efektywności i efektu skali banków, „Bank i Kredyt” 1998,No. 11.
Rogowski G., Metody analizy i oceny banku na potrzeby zarządzania strategicznego, WydawnictwoWyższej Szkoły Bankowej, Poznań 1998.
Rose P., Zarządzanie bankiem komercyjnym: Wytwarzanie i sprzedaż usług finansowych,Związek Banków Polskich, Warszawa 1997.
Rossi S., Schwaiger M., Winkler G., Managerial Behavior and Cost/Profit Efficiency in TheBanking Sectors of Central and Eastern European Countries, “Working Papers” 2005,No. 96, Oesterreichische Nationalbank.
Sathye M., X-Efficiency in Australian Banking: An Empirical Investigation, “Journal of Bankingand Finance” 2001, No. 25.
Staikouras C., Wood G., Banking Competition And Stability In Europe, “Journal of InternationalBanking Regulation” 1999, No. 1.3 za E. Carletti, Ph. Hartmann Competitionand Stability: What’s Special About Banking?, “Working Papers” 2002, No. 26, EuropeanCentral Bank.
Stępień K., Konsolidacja a efektywność banków w Polsce, Cedewu, Warszawa 2004.
Weill L., Is There A Gap in Bank Efficiency Between CEE and Western European Countries?(Central and Eastern Europe), “Comperative Economic Studies” 2007, No. 49.
Yıldırım H., Philippatos G., Efficiency in Banks: Recent Evidence from The Transition Economiesof Europe, 1993–2000, “The European Journal Of Finance” 2007, No. 13.
Albertazzi U., Gambacorta L., Bank Profitability and the Business Cycle, “Journal of FinancialStability” 2009, No. 5.
Alexiou C., Sofoklis V., Determinants of Bank Profitability, Evidence from the Greek BankingSector, “Economic Annals” 2009.
Athanasoglou Panayiotis P., Brissimis S. N., Delis M. D., Bank – Specific, “Industry-Specific And Macroeconomic” 2005.
Bankowość. Podręcznik Akademicki, red. W. L. Jaworski, Z. Zawadzka, Poltext, Warszawa 2006.
Berger A. N., Deyoung R., Udell G. F., Efficiency Barriers to The Consolidation of The EuropeanFinancial Services Industry, “European Financial Management” 2000, No. 6.
Berger A. N., Humphrey D. B., Efficiency of Financial Institutions, International Survey AndDirections For Future Research, “European Journal of Operational Research” 1997,No. 98 (2).
Bonin J., Hassan I., Wachtel P., Bank Performance, Efficiency and Ownership in TransitionCountries, “Journal of Banking And Finance” 2005, No. 29.
Bordo M., Redish A., Rockoff H., A Comparison of The US and Canadian Banking Systemsin The 20th Century: Stability and Efficiency, 1995 za E. Carletti, Ph. Hartmann, CompetitionAnd Stability: What’s Special About Banking?, “ECB Working Papers” 2002,No. 26, European Central Bank.
Bos J. W. B., Schiedel H., Comparing Efficiency in European Banking, A Meta Frontier Approach,“Research Series Supervision” 2003, No. 57, De Nederlandche Bank, Amsterdam.
Capie F., Prudent And Stable (But Inefficient), 1995 za E. Carletti, Ph. Hartmann, CometitionAnd Stability: What’s Special About Banking?, “Working Papers” 2002, No. 26,European Central Bank.
Capiga M., Ocena działalności placówki operacyjnej banku: Dylematy metodologicznei praktyczne, Wydawnictwo Akademii Ekonomicznej w Katowicach, Katowice 2003.
Carvallo O., Kasman A., Cost Efficiency in The Latin American and Caribbean Banking Systems,“Journal of International Financial Markets, Institutions and Money” 2005, No. 15.
Casu B., Girardone C., A Comparative Study of The Cost Efficiency of Italian Banking Conglomerates,“Managerial Finance” 2002, No. 28 (9).
Casu B., Molyneux P., A Comparative Study of Efficiency in European Banking, “AppliedEconomics” 2003, No. 35.
Chang C. E., Hasan I., Hunter W. C., Efficiency of Multinational Banks: An Empirical Investigations,“Applied Financial Economics” 1998, No. 8 (6).
Charnes A., Cooper W. W., Rhoes A., Measuring The Efficiency of Decision Making Units,“European Journal of Operational Research” 1978, No. 2 (6).
Demirgüç-Kunt A., Laeven L., Levine R., Regulations, Market Structure, Institutions, AndThe Cost of Financial Intermediation, “Journal of Money, Credit And Banking” 2004,Vol. 36, No. 3.
Determinants of Bank Profitability, MPRA Paper 153, University Library of Münich, Germany,Revised 2006.
Dietrich A., Wanzenried G., Determinants of Bank Profitability Before and During TheCrisis: Evidence From Switzerland, “Journal of International Financial Markets, InstitutionsAnd Money” 2011.
European Commission, The Western Balkans In Transition, “Enlargement Papers” 2004,No. 23, Directorate General for Economic and Financial Affairs.
Farrell M. J., The Meaurement Of Effective Efficiency, “Journal of Royal Statistical Society”1957, Serie A, No. 120 (3).
Forrier G. D., Lovell C. A. K., Measuring The Cost Efficiency in Banking Econometric AndLinear Programming Evidence, “Journal of Econometrics” 1990, No. 46.
Fries S., Taci A, Banking Reform And Development in Transition Economies, “WorkingPapers EBRD” 2002, No. 71.
García-Herrero A., Gavilá S., Santabárbara D., What Explains The Low Profitability of ChineseBanks?, “Journal of Banking and Finance” 2009, No. 33.
Grigorian D., Manole V., Determinants of Commercial Bank Performance in Transition,“World Bank Policy Research Paper” 2002, No. 2850.
Hasan I., Hunter W. C., Efficiency of Japanese Multinational Banks in USA, “Researchin Finance” 1996, No. 14.
Hasan I., Lozano-Vivas A., Foreign Banks, Production Technology And Efficiency: SpanishExperience, “Working Paper Presented at The Georgia Productivity Workshop III”1998, Athens, Georgia.
Havrylchyk O., Efficiency in The Polish Banking Industry: Foreign Versus Domestic Banks,“Journal of Banking and Finance” 2006, No. 30.
Hoggarth G., Milne A., Wood G., Alternative Routes To Banking Stability: A Comparison ofUK and German Banking Systems, “Financial Stability Review” 1998, Bank of England.
Hollo D., Nagy M., Bank Efficiency In The Enlarged European Union, “Working Paper”2006, No. 3, MNB, Budapest.
Isik I., Hassan M. K., Technical, Scale and Allocative Efficiencies of Turkish Banking Industry,“Journal of Banking and Finance” 2002, No. 26.
Jackowicz K., Kuryłek W., Rentowność banków komercyjnych działających w Polsce w latach1995–2001 a bieżące decyzje menedżerskie i skumulowane w czasie skutki tych decyzji,„Bank i Kredyt” 2004, nr 2, 2004.
Jemric I., Vujcic B., Efficiency of Banks in Croatia: A DEA Approach, “Working Paper”2002, No. 7, Croatian National Bank.
Kasman A., Efficiency And Scale Economies in Transition Economies: Evidence From PolandAnd The Czech Republic, “Emerging Markets Finance and Trade” 2005, No. 41.
Kasman A., Yildirim C., Cost and Profit Efficiencies in Transition Banking: The Case of NewEU Members, “Applied Economies” 2006, No. 38.
Kosmidou K., Pasiouras F., Floropoulos J., Linking Profits To Asset-Liability Management ofDomestic and Foreign Banks in The UK, “Applied Financial Economics” 2004, Vol. 14,No. 18.
Kraft E., Hofler R., Payne J., Privatization, Foreign Bank Entry and Bank Efficiency in Croatia:A Fourier-Flexible Function Stochastic Cost Efficiency Analysis, “Working Paper”2002, No. 9, Croatian National Bank.
Kraft E., Tirtiroglu D., Bank Efficiency in Croatia: A Stochastic Frontier Approach, “Journalof Comparative Economics” 1998, No. 26.
Mahajan A., Rangan N., Zardkoohi A., Cost Structures in Multinational and Domestic Banking,“Journal of Banking and Finance” 1996, No. 20 (2).
Nikiel E., Opiela T., Customer Type and Bank Efficiency in Poland: Implications for EmergingMarket Banking, “Contemporary Economic Policy” 2002, No. 20.
Pasiouras F., Kosmidou K., Factors Influencing The Profitability of Domestic and ForeignCommercial Banks in The European Union, “Research in International Business andFinance” 2007, No. 21.
Pawłowska M., Konkurencja i efektywność na polskim rynku bankowym na tle zmian strukturalnychi technologicznych, „Materiały i Studia NBP” 2005, nr 192.
Rogowski G., Metodologia analiz efektywności i efektu skali banków, „Bank i Kredyt” 1998,No. 11.
Rogowski G., Metody analizy i oceny banku na potrzeby zarządzania strategicznego, WydawnictwoWyższej Szkoły Bankowej, Poznań 1998.
Rose P., Zarządzanie bankiem komercyjnym: Wytwarzanie i sprzedaż usług finansowych,Związek Banków Polskich, Warszawa 1997.
Rossi S., Schwaiger M., Winkler G., Managerial Behavior and Cost/Profit Efficiency in TheBanking Sectors of Central and Eastern European Countries, “Working Papers” 2005,No. 96, Oesterreichische Nationalbank.
Sathye M., X-Efficiency in Australian Banking: An Empirical Investigation, “Journal of Bankingand Finance” 2001, No. 25.
Staikouras C., Wood G., Banking Competition And Stability In Europe, “Journal of InternationalBanking Regulation” 1999, No. 1.3 za E. Carletti, Ph. Hartmann Competitionand Stability: What’s Special About Banking?, “Working Papers” 2002, No. 26, EuropeanCentral Bank.
Stępień K., Konsolidacja a efektywność banków w Polsce, Cedewu, Warszawa 2004.
Weill L., Is There A Gap in Bank Efficiency Between CEE and Western European Countries?(Central and Eastern Europe), “Comperative Economic Studies” 2007, No. 49.
Yıldırım H., Philippatos G., Efficiency in Banks: Recent Evidence from The Transition Economiesof Europe, 1993–2000, “The European Journal Of Finance” 2007, No. 13.