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Produktivitätsmessung von Banken: die Cost Income Ratio – ein belastbares Performancemaß?

Author

Listed:
  • Horst Gischer

    (Faculty of Economics and Management, Otto-von-Guericke University Magdeburg)

  • Toni Richter

    (Faculty of Economics and Management, Otto-von-Guericke University Magdeburg)

Abstract

Die Cost-Income-Ratio (CIR) ist zutiefst im Verständnis der Banking Community wie auch der Wissenschaft als geeigneter Produktivitätsindikator verwurzelt. Gleichwohl impliziert die Messung einer Wert- anstelle einer Mengenrelation von Input und Output eine mögliche Verzerrung durch Preiskomponenten – unabhängig von der betrieblichen Leistungsfähigkeit. Dahingehend widmet sich der Beitrag dem Einfluss unterschiedlicher Geschäftsmodelle, ungleicher Lohnniveaus und vor allem divergierender Wettbewerbsverhältnisse auf die CIR. Bestehende Schwachstellen werden aufgezeigt und daran anschließend ein alternativer, adjustierter CIR-Ansatz abgeleitet. Empirisch werden die Zusammenhänge ferner für die privaten Geschäftsbanken aus 13 europäischen Ländern zwischen 1997 und 2009 untersucht.

Suggested Citation

  • Horst Gischer & Toni Richter, 2014. "Produktivitätsmessung von Banken: die Cost Income Ratio – ein belastbares Performancemaß?," FEMM Working Papers 140008, Otto-von-Guericke University Magdeburg, Faculty of Economics and Management.
    • Handle: RePEc:mag:wpaper:140008
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    References listed on IDEAS

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    Cited by:

    1. Richter Frank & Christians Uwe & Hartl Friedrich, 2018. "Effizienz der Banken: Eine empirische Analyse der Kreditgenossenschaften," Zeitschrift für das gesamte Genossenschaftswesen, De Gruyter, vol. 68(1), pages 29-47, March.

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    More about this item

    Keywords

    Cost Income Ratio; Produktivität; Rentabilität; Banken; Lerner-Index;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
    • L1 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance

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