Development of e-banking has empirically modified the structure and characters of banks’ performance, efficiency, risk and challenges which have also been articulately recognized based on the international best practices. E-banking brazenly accelerates and restructures financial transactions via enhancing technology and expanding the banking services in comparison with conventional banking. Acc...

The main objectives of this paper are to measure the technical efficiency levels of Iranian banks and to investigate the degree of factors influence on the efficiency in these banks. Stochastic frontier analysis (SFA) methods are applied to bank-level data over 22 years (from 1995 to 2011). We find that publicly-owned banks obtain average technical efficiencies of 0.73, which is lower than priv...

Data Envelopment Analysis (DEA) is widely used in banking sector to measure the efficiency of the banks. This paper evaluates the performance of the banks in India using cost, revenue and profit models of DEA and comes out with a comprehensive efficiency index for banks, by combing the efficiency scores of various DEA models, using the Shannon entropy. In general, the banks included in this stu...

30 Efforts requiring banks to divulge information on their financial condition have a long history. In the early 1800s, some states required banks to file reports of condition with the governor or legislature, arguing the state was a shareholder in the banks and therefore entitled to the information (Robertson 1995). However, the reports contained only broad breakdowns of assets and liabilities...

We study empirically the effect of focus (specialization) vs. diversification on the return and the risk of banks using data from 105 Italian banks over the period 1993–1999. Specifically, we analyze the tradeoffs between (loan portfolio) focus and diversification using a unique data set that is able to identify individual bank loan exposures to different industries, to different sectors, and t...

We study the reaction of commercial banks to external macroeconomic shocks using panel data from over 120 banks in Argentina for the period 1996-1999. We show that all banks reduce lending when systemic risk increases and that this reaction is driven by credit supply decisions by banks, beyond and above the impact of reduced credit demand or increased regulatory pressure. However, the underlyin...

Aporinellus Banks, Austrochares Banks and Dicranoplius Haupt are new generic records for Colombia, as well as the species Dipogon ariel Banks, Evagetes peruana Banks, and Euplaniceps notabilis (Smith). Five new combinations are formally endorsed: Aimatocare argentinica (Banks), comb. n.; Aimatocare longula (Banks), comb. n.; Aimatocare imitator (Evans), comb. n.; Aimatocare impensa (Evans), com...

As economic entities become increasingly interconnected, a shock in a financial network can provoke significant cascading failures throughout the system. To study the systemic risk of financial systems, we create a bi-partite banking network model composed of banks and bank assets and propose a cascading failure model to describe the risk propagation process during crises. We empirically test t...

Employing data on over 100 GCC banks for 1996e2011, we test the relation between risk and capital. Given the interlinkage between these two variables, the model employs a 3SLS estimation that takes on board this simultaneity. Consistent with the literature, risk is measured by the Z-score, while capital is computed as the ratio of equity to asset. The findings indicate that banks generally incr...

The purpose of this paper is to study the suitability of loan loss provision (LLP) of Iranian banks when the industry is dealing with earning management behaviors. This goal has been reached using a two-step approach to analyze the discretionary component of LLP and then examine the relevant factors. This empirical study uses an unbalanced panel data of 15 listed banks during the 2006-2017 peri...