Regional Differences in the Efficiency of German Savings Banks
JOURNAL ARTICLE
Cite JOURNAL ARTICLE
Style
Format
Regional Differences in the Efficiency of German Savings Banks
Reichling, Peter | Schulze, Gordon
Credit and Capital Markets – Kredit und Kapital, Vol. 51 (2018), Iss. 3 : pp. 445–464
3 Citations (CrossRef)
Additional Information
Article Details
Author Details
Prof. Dr. Peter Reichling, Otto von Guericke University Magdeburg, Faculty of Economics and Management, Department of Banking and Finance, Postbox 4120, 39016 Magdeburg, Germany
Gordon Schulze, M.Sc., Otto von Guericke University Magdeburg, Faculty of Economics and Management, Department of Banking and Finance, Postbox 4120, 39016 Magdeburg, Germany
Cited By
-
Efficiency of Banks With a Double Bottom Line
Burgstaller, Johann | Dietl, KatharinaCredit and Capital Markets – Kredit und Kapital, Vol. 56 (2023), Iss. 3-4 P.255
https://doi.org/10.3790/ccm.2023.1428501 [Citations: 0] -
Efficiency of Banks With a Double Bottom Line
Burgstaller, Johann | Dietl, KatharinaCredit and Capital Markets – Kredit und Kapital, Vol. (2024), Iss. P.1
https://doi.org/10.3790/ccm.2024.1428501 [Citations: 0] -
Real Estate Markets and Lending: Does Local Growth Fuel Risk?
Zurek, Maximilian
Journal of Financial Services Research, Vol. 62 (2022), Iss. 1-2 P.27
https://doi.org/10.1007/s10693-021-00358-9 [Citations: 4]
Abstract
German savings banks play a key role in financing German SMEs. Accordingly, the analysis of their efficiency is of economic importance. We apply data envelopment analysis to explore the influence of the financial crisis (2007 to 2008) as well as the Eurozone crisis (since the end of 2009) on the efficiency of German savings banks. Although the Malmquist index, as a measure of efficiency change and technological change, is on average below one in our sample from 2003 to 2014, we conclude from our efficiency results that German savings banks recovered quickly after the financial crisis as well as the Eurozone crisis. We test for and explain regional efficiency differences between Eastern and Western German savings banks. Since Eastern and Western Germany represent two socio-economically different environments, we control for environmental variables. Our results show that Eastern German savings banks are less inefficient than Western German savings banks since other earning assets, i. e., securities and advances to banks, and refinancing costs are advantageous for their efficiency.
Table of Contents
| Section Title | Page | Action | Price |
|---|---|---|---|
| Peter Reichling / Gordon Schulze: Regional Differences in the Efficiency of German Savings Banks | 1 |