AMBIENTUM BIOETHICA BIOLOGIA CHEMIA DIGITALIA DRAMATICA EDUCATIO ARTIS GYMNAST. ENGINEERING EPHEMERIDES EUROPAEA GEOGRAPHIA GEOLOGIA HISTORIA HISTORIA ARTIUM INFORMATICA IURISPRUDENTIA MATHEMATICA MUSICA NEGOTIA OECONOMICA PHILOLOGIA PHILOSOPHIA PHYSICA POLITICA PSYCHOLOGIA-PAEDAGOGIA SOCIOLOGIA THEOLOGIA CATHOLICA THEOLOGIA CATHOLICA LATIN THEOLOGIA GR.-CATH. VARAD THEOLOGIA ORTHODOXA THEOLOGIA REF. TRANSYLVAN
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STUDIA OECONOMICA - Ediţia nr.2 din 2010 | |||||||
Articol: |
ROLUL VENITURILOR DIN DOBÂNZI ŞI NON-DOBÂNZI LA EFICIENŢA RELATIVĂ A REGIUNILOR BANCARE: CAZUL UNEI MARI BĂNCI SUD-AFRICANĂ / THE ROLE OF INTEREST INCOME AND NON-INTEREST INCOME ON THE RELATIVE EFFICIENCY OF BANK REGIONS: THE CASE OF A LARGE SOUTH AFRICAN BANK. Autori: GERT VAN DER WESTHUIZEN. |
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Rezumat: Data Envelopment Analysis (DEA) is used to estimate the technical, allocative and cost efficiency of the 37 regions of a large South African bank. Two models are applied to determine the effect of interest income and non-interest income on the various efficiency estimates. Malmquist DEA was used to determine the sources of efficiency change that took place during the period of the investigation. All the regions can increase their technical efficiency and allocative efficiency in order to become more cost efficient. The majority of the regions were operating at decreasing returns to scale meaning that they were operating at a scale that was too large. There is evidence that non-interest income can contribute toward an increase in efficiency.
JEL Classification: C50, C61, D24, G21, L21
Keywords: Data Envelopment Analysis, Efficiency, Malmquist |
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