By Jacob Bikker, Jaap W.B. Bos
Financial literature will pay loads of cognizance to the functionality of banks, expressed by way of pageant, focus, potency, productiveness and profitability. This booklet offers an all-embracing framework for a number of the latest theories during this region and illustrates those theories with functional functions. comparing a vast box of analysis, the ebook describes a revenue maximizing financial institution and demonstrates how numerous widely-used types may be geared up into this framework. The authors additionally current an summary of the present significant traits in banking and relate them to the assumptions of every version, thereby laying off mild at the relevance, timeliness and shelf lifetime of a number of the types. the consequences comprise a suite of suggestions for a destiny study schedule. delivering a finished research of financial institution functionality, this ebook comes in handy for all of these project examine, or have an interest, in parts resembling banking, festival, supervision, financial coverage and monetary balance.
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Extra info for Bank Performance: A Theoretical and Empirical Framework for the Analysis of Profitability, Competition and Efficiency (Routledge International Studies in Money and Banking)
Also, it provides for a risk-sensitive capital adequacy requirement for operational risk. Finally, the Supervisory Review of Pillar II requires banks to demonstrate that their capital is sufﬁcient to cover (all) risks, given their speciﬁc activities and environment, both under normal and stress conditions. The regulatory regimes evolve over time. g. on information technology, data collections and risk management theory, are stimuli to develop new risk management techniques and new regulatory regimes.
First, it wants its share of the growth of new customers [Cn ]. Second, it wants to retain as many of its old customers as possible [Cr ]. Third, it wants to win over other banks’ old customers [Co ]. 10 Also, let nio = the number of old customers for bank i. e. not behaving collusively) is given by the variance of the expected number of customers. The higher this variance, the more likely a bank is to show collusive behavior. 11c) No − ni0 ∗ (((1 − p) MSi ) ∗ (1 − (1 − p) MSi )) Market power models 37 As explained, an increase in market share (MS i ) leads to more collusive behavior if ∂var(·)/∂MSi > 0.
E. also a radial measure) of the productive frontier resulting from technological advances making their way into the production process. 21 Summing up, we have deﬁned a simple production function and introduced a number of efﬁciency measures. In the context of the banking industry it is important to note the particular problems arising from the ambiguity of bank’s underlying production technologies. This ambiguity is one of the major reasons to model efﬁciency analyses on the basis of cost and/or proﬁt functions.