Wpływ wielkości banku na jego efektywność: badania dla krajów Europy Środkowo-Wschodniej


Katarzyna Mikołajczyk


Although there is a growing body of literature on the impact of bank size on itsstrategy, efficiency, profitability and stability, the results are still inconclusive. Themain advantages of large banks are their capability for product and geographicaldiversification, ability to bear the cost of technological changes and easier accessto financial resources. On the other hand, small banks have a good understandingof local markets, use soft information on their clients more effectively, are basedon relationship banking model, and have much simpler organizational structure.The aim of this paper is to analyze the impact of bank size on its efficiency in Centraland East European countries. For that purpose, all commercial banks fromCEE countries were divided into four groups, depending on their size (expressedin absolute and relative terms). Technical and scale efficiency scores for the period2004–2013 were calculated using Data Envelopment Analysis. The main conclusionis that in CEE countries bank size affects the efficiency, particularly if thesize is expressed in absolute terms. There is a positive relationship between banksize and its technical efficiency (especially above a certain limit). The relationshipbetween bank size and scale efficiency is nonlinear: the smallest and the largestbanks have higher scale inefficiency.


Dane pobrania nie są jeszcze dostepne


Jak cytować
Mikołajczyk, K. (2015). Wpływ wielkości banku na jego efektywność: badania dla krajów Europy Środkowo-Wschodniej. Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia I Prace, 2(3), 81-96. https://doi.org/10.33119/KKESSiP.2015.2.3.6
Dział główny


Barrel R., Davis E. P., Fic T., Karim D., The future of financial regulation – Is there a linkfrom bank size to risk?, “NIESR Discussion Paper” 2011, No. 367.
Bertay A. C., Demirgü-Kunt A., Huizinga H., Do we need big banks? Evidence on performance,strategy and market discipline, “Journal of Financial Intermediation” 2013, No. 22.
Berger A. N., Goulding W., Rice T., Do small business still prefer community banks?, “Journalof Banking and Finance” 2014, No. 44.
Carter D. A., McNulty J. E., Deregulation, technological change, and the business-lendingperformance of large and small banks, “Journal of Banking and Finance” 2005, No. 29.
Chen X., Skully M., Brown K., Banking efficiency in China: Application of DEA to pre- andpost-deregulation eras: 1993–2000, “China Economic Review” 2005, No. 16.
De Jonghe O., Diepstraten M., Schepens G., Banks’ size, scope and systemic risk: What rolefor conflicts of interest?, “Journal of Banking and Finance” 2015.
Delis M., Molyneux P., Pasiouras F., Regulations and productivity growth in banking: evidencefrom transition economies, “Journal of Money, Credit and Banking” 2011, No. 43 (4).
DeYoung R., Hunter W. C., Udell G. F., Past, present, and probable future for communitybanks: Evidence from a degree of total leverage model, “Journal of Financial Intermediation”2001, No. 10.
Fethi M. D., Pasiouras F., Assessing bank efficiency and performance with operational researchand artificial intelligence techinque: A survey, „European Journal of Operational Research”2010, No. 204.
De Haan J., Poghosyan T., Size and earnings volatility of US bank holding companies, “Journalof Banking and Finance” 2012, No. 36.
Hannan T. H., Prager R. A., The profitability of small single-market banks in an era of multi--market banking, “Journal of Banking and Finance” 2009, No. 33.
Mercieca S., Schaeck K., Wolfe S., Small European banks: Benefits from diversification?,“Journal of Banking and Finance” 2007, No. 31.
Stiroh K. J., Diversification in banking: is non-interest income the answer?, “Journal of Money,Credit and Banking” 2004, No. 36.
Sturm J. E., Williams B., Foreign bank entry, deregulation and bank efficiency: Lessons fromthe Australian experience, “Journal of Banking and Finance” 2004, No. 28.
Top 1000 world banks, “The Banker” 2014.
Vallascas F., Keasey K., Bank resilience to systemic shocks and the stability of banking systems:Small is beautiful, “Journal of International Money and Finance” 2012, No. 31.