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Eficiencia técnica en el sistema bancario español. Dimensión y rentabilidad

Author

Listed:
  • Marín, Salvador

    (Universidad de Murcia)

  • Gómez, Juan

    (Universidad de Murcia)

  • Cándido Gómez, Juan

    (Universidad de Murcia)

Abstract

In this work we analyzed the relationship between dimension, financial profitability and technical efficiency of the bank companies in Spain. The analysis is carried out by the use of multivariant technicals, analysis factorial and analysis cluster to establish groups of bank companies with homogeneous dimension. The methodology in use is non parametric, the data envelopment analysis (DEA), to obtain the coefficient of technical efficiency of each bank company. In addition, there is studied the influence of every company evaluated like efficient on the analyses of efficiency before realized with the aim to detect if there exists some financial institution (bank) that affects in a special way to the results. Also bootstrap is used in order to obtaining confidence intervals of the average efficiency and medium efficiency of the bank system. Finally the existence of relation is analyzed among the dimension of the bank, the financial profitability and the estimations of technical efficiency.The used information fits to 82 Spanish banks (36 banks and 45 savings banks) that configure the whole amount of the commercial.// En este trabajo se analiza la relación entre dimensión, rentabilidad financiera y eficiencia técnica de las entidades bancarias en España. El análisis se realiza mediante la utilización de las técnicas multivariantes, análisis factorial y análisis cluster para establecer grupos de empresas bancarias de dimensión homogénea. Se utiliza la metodología no paramétrica, el análisis envolvente de datos (Data Envelopment Analysis) para obtener el coeficiente de eficiencia técnica de cada entidad bancaria. Además, se estudia la influencia de cada empresa evaluada como eficiente sobre los análisis de eficiencia previamente realizados con el objetivo de detectar si existe alguna entidad que afecta de manera especial a los resultados. También se utiliza la técnica bootstrap para obtener intervalos de confianza de la eficiencia media y eficiencia mediana del sistema bancario. Por último se analiza la relación entre la dimensión de la entidad, la rentabilidad financiera y las estimaciones de eficiencia técnica. La información utilizada corresponde a 82 empresas bancarias españolas (36 bancos y 45 cajas de ahorros) que constituyen la casi totalidad de la banca comercial en España.

Suggested Citation

  • Marín, Salvador & Gómez, Juan & Cándido Gómez, Juan, 2008. "Eficiencia técnica en el sistema bancario español. Dimensión y rentabilidad," El Trimestre Económico, Fondo de Cultura Económica, vol. 0(300), pages 1017-1042, octubre-d.
    • Handle: RePEc:elt:journl:v:75:y:2008:i:300:p:1017-1042
    DOI: http://dx.doi.org/10.20430/ete.v75i300.426
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    Cited by:

    1. Aysan, Ahmet Faruk & Ertek, Gurdal & Ozturk, Secil, 2009. "Assessing the adverse effects of interbank funds on bank efficiency through using semiparametric and nonparametric methods," MPRA Paper 38113, University Library of Munich, Germany.

    More about this item

    Keywords

    Technical efficiency; Data Evelopment Analysis; bootstrap; eficiencia técnica; análisis envolvente de datos;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • M4 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Accounting
    • L51 - Industrial Organization - - Regulation and Industrial Policy - - - Economics of Regulation

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