Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/39720
Authors: 
Conrad, Alexander
Neuberger, Doris
Trigo Gamarra, Lucinda
Year of Publication: 
2009
Series/Report no.: 
Thünen-series of applied economic theory 111
Abstract: 
This paper examines the influence of environmental factors on technical, cost, scale and revenue efficiency of German savings banks in 2001-2005. Taking into account growing regional disparities in economic wealth and population size, it differentiates between declining and growing regions. Regional and demographic factors explain part of the variation in efficiency levels. Population density and branch penetration positively affect efficiency in growing regions. A negative impact of economic power and a positive impact of competitive pressure on efficiency support the quiet life hypothesis. In declining regions, a larger share of elder people reduces bank efficiency. Savings banks seem to be well adapted to unfavorable environmental conditions.
Subjects: 
savings banks
efficiency
Data Envelopment Analysis
demographic change
regional disparities
JEL: 
G21
D21
D24
R1
Document Type: 
Working Paper

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