Efficiency and Productivity Change in the U.S. Commercial Banking Industry: A Comparison of the 1980s and 1990s

Allen N. Berger · Loretta Jean Mester

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Abstract

We investigate efficiency and productivity growth of the U.S. banking industry over the latter part of the 1980s and first part of the 1990s using comprehensive data on U.S. commercial banks.Cost efficiency decreased slightly between the 1980s and 1990s and large banks showed a sizable decline in profit efficiency.Total predicted production costs increased over both the 1980s and 1990s, reflecting cost productivity declines.Changes in business conditions led to cost declines over both periods.Total predicted profits increased in the 1980s and 1990s, with the entire change reflecting increased profit productivity.Changing business conditions led to small declines in profits.

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References

1997Inside the black box: What explains differences in the efficiencies of financial institutions?1997Problem loans and cost efficiency in commercial banks 1991The dominance of inefficiencies over scale and product mix economies in banking 1998The effects of bank mergers and acquisitions on small business lending 1995The Transformation of the U.S. Banking Industry: What a Long, Strange Trip It's Been 1997Efficiency of Financial Institutions: International Survey and Directions for Future Research 1993?Distribution-free? estimates of efficiency in the U.S. banking industry and tests of the standard distributional assumptions 1998Bank Capitalization and Cost: Evidence of Scale Economies in Risk Management and Signaling

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