In an increasingly competitive market, banks are constantly searching for sustainable competitive advantage to help them maintain their edge against competition. Over the years, banks have tried various drivers for competitive advantage, none of which were sufficient barriers for competitors. Understanding the behavior of their customers and using this knowledge to drive the interaction with cu...

This paper empirically investigates the link between political patronage and bank performance for Ukraine during 2003Q3–2005Q2. We find significant differences between politically affiliated and non-affiliated banks. The data suggest that affiliated banks have significantly lower interest rate margins and increase their capitalization. Furthermore, we show that the level of activity of affiliat...

With bank-level data from 81 developing countries, the paper shows that increased foreign bank presence is associated with increased reliance on non-deposit based funding, which leads to higher interest rate spreads, less credit to the private sector, and higher volatility in bank loans. Foreign bank entry significantly reduces domestic banks’ share of deposits while foreign banks typically all...

This paper uses a new non-parametric, unconditional, hyperbolic order-α quantile estimator to construct a hyperbolic version of the Malmquist index. Unlike traditional non-parametric efficiency estimators, the new estimator is both robust to data outliers and has a root-n convergence rate. We use this estimator to examine changes in the efficiency and productivity of U.S. banks between 1985 and...

The purpose of this study is to calculate and examine the Islamic banks operating efficiency in Pakistan. It consists of 04(four) full-fledged Islamic Banks of Pakistan. The results of Liquidity & Profitability ratios and stochastic frontier approach using data of 2004 to 2011 showed positive patterns with respect to ROE, ROA and NPR. According to the achieved results, Meezan Islamic Bank can b...

Non-performing assets (NPAs) have been a major cause of concern for Indian commercial banks in the recent past years. Many studies have been reported on the different aspects of NPAs in Indian banking system. However, there is a crucial lack of investigation on the comparative assessment of various types of banks such as Public sector banks, Private sector banks and foreign banks so that the tr...

The main purpose of this study is to develop a Fuzzy inference system to predict bank profitability in Iran and help investors in their investment decisions. For this purpose, the main effective variables on bank profitability, including facilities, deposits, manpower costs, and assets were recognized. In the next step, the data of 13 banks were collected from 2001 to 2011. The membership funct...

The BANKS system enables keyword-based search on databases, together with data and schema browsing. BANKS enables users to extract information in a simple manner without any knowledge of the schema or any need for writing complex queries. A user can get information by typing a few keywords, following hyperlinks, and interacting with controls on the displayed results. Extensive support for answe...

I examine how bank liquidity and capital affect banks’ behavior in asset sales using data on sales of bank owned real estate. I find that: (1) banks with lower liquidity levels post lower asking prices and receive lower sale prices; (2) banks with lower capital levels post higher asking prices, which then lead to longer time on the market. Further analyses show that the results are unlikely to ...

In this paper, Data Envelopment Analysis (DEA) and super efficient DEA (SE-DEA) are employed to measure the efficiency of Chinese commercial banks. Incorporating Tobit regression analysis, the determinants of banking efficiency are investigated based on Panel data. Overall, the DEA results show relatively low average efficiency levels and state-owned banks are more inefficient than that of join...