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| Author: | Kirkpatrick, C. Murinde, V. Tefula, M. |
| Title: | The measurement and determinants of x-inefficiency in commercial banks in Sub-Saharan Africa |
| Journal: | European Journal of Finance
2008 : OCT-DEC, VOL. 14:7-8, p. 625-639 |
| Index terms: | commercial banks costs profit measurement Africa models |
| Freeterms: | X-inefficiency determinants Sub-Saharan African |
| Language: | eng |
| Abstract: | Using the translog stochastic cost and profit frontier approach to measure the degree of x-inefficiency in a panel of 89 commercial banks drawn from nine Sub-Saharan African countries, covering the period 1992-99. Based on the models the determinants of x-inefficiency in terms of bank-specific factors and general macroeconomic variables. The author demonstrates that profit x-inefficiency is slightly higher than cost x-inefficiency( namely revenue x-inefficiency is rather small)and the degree of cost x-inefficiency is exacerbated by bad loans, high capital ratios and financial liberalisation. In contrast, it is found that larger banks are more efficient and the level of foreign bank penetration reduces x-inefficiency. |
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