By Jacob Bikker, Jaap W.B. Bos
Monetary literature can pay loads of cognizance to the functionality of banks, expressed when it comes to pageant, focus, potency, productiveness and profitability. This ebook presents an all-embracing framework for many of the present theories during this sector and illustrates those theories with functional functions. comparing a wide box of study, the e-book describes a revenue maximizing financial institution and demonstrates how numerous widely-used types will be equipped into this framework. The authors additionally current an summary of the present significant developments in banking and relate them to the assumptions of every version, thereby laying off gentle at the relevance, timeliness and shelf lifetime of some of the types. the consequences contain a collection of concepts for a destiny study schedule. supplying a complete research of financial institution functionality, this ebook turns out to be useful for all of these project study, or have an interest, in parts resembling banking, pageant, supervision, financial coverage and fiscal balance.
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Extra info for Bank Performance: A Theoretical and Empirical Framework for the Analysis of Profitability, Competition and Efficiency (Routledge International Studies in Money and Banking)
Examples of this view are found in Altunbas et al. (1994, 1995) and Barr et al. (1994). The latter approach assumes that a bank provides services related to loans and deposits. In this view, interest payments are not regarded as banking costs. The output components comprise loans and deposits. Examples of this approach can be found in Swank (1996), Resti (1997) and Berger and DeYoung (1997), among others. Since operating costs appear to make up the bulk of banks’ cost inefﬁciency (Berger and Humphrey, 1991), this analysis, in line with most of the literature, takes the production approach.
By contrast, Hancock and Wilcox (1993) did not ﬁnd such adjustments for the US banks. 15 This introduces risk differentiation for counterparties, whereas uniform risk weights applied under Basel I. In addition, banks able to demonstrate the adequacy of their own credit risk measurement methods – under the so-called Internal-Rating Based (IRB) approach – are allowed to use internal ratings of lending risk. 16 In addition, the new Agreement makes greater allowance for risk-reducing factors such as collateral and guarantees.
Even risk-neutral shareholders who are well diversiﬁed may have problems translating their claim on proﬁts into the actions required to maximize revenue and minimize costs. e. 4 As long as shareholders cannot monitor and penalize bank management, the latter may show expense-preference behavior or – if it is highly risk averse – any Basic model of bank performance 5 27 other strategy that reduces proﬁts. This means that the information asymmetry between principal and agent that was once used by Diamond (1984) to explain the existence of banks from the reduction in audit costs for lenders to non-ﬁnancial ﬁrms, now helps explain why banks themselves may also suffer from moral hazard and other incentive problems.