Banking Markets: Productivity, Risk, and Customer Satisfaction
نویسنده
چکیده
Recent empirical research in banking has found substantial but unexplained differences among bank’s costs and profits, indicating that the industry is not in long-run equilibrium. In this paper, three factors are hypothesized as the source of this out-of-equilibrium behavior: (i) variations in banks’ abilities to match capacity and demand; (ii) variations in risk management; and (iii) variations in providing customer satisfaction. A structural model is combined with new data sources to estimate these effects using data from 1984-1992. Each factor is found to be significant, and taken together they account for virtually all the observed differences in bank performance.
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