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| Author: | Clark, J. A. Siems, T. F. |
| Title: | X-Efficiency in Banking: Looking beyond the Balance Sheet |
| Journal: | Journal of Money, Credit and Banking
2002 : NOV, VOL. 34:4, p. 987-1013 |
| Index terms: | BANKING EFFECTIVENESS MEASUREMENT |
| Language: | eng |
| Abstract: | The distribution free and stochastic frontier estimation methods are used to derive bank specific measures of cost and profit X-efficiency. This is done to investigate the importance of including aggregate measures of off- balance-sheet (OBS) activities. The results indicate that economic cost and production cost X-efficiency estimates increase with the inclusion of the OBS measure. Profit X- efficiency estimates are largely unaffected. Further, the composition of banks' OBS activities appears to help explain interbank differences in cost and profit X- efficiency estimates, whereas bank size and the mix between on- and off-balance-sheet banking activities are largely uncorrelated with the X-efficiency estimates. |
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