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L’impact des opérations transactionnelles sur la croissance de la productivité dans le secteur bancaire

Author

Listed:
  • Mario Fortin

    (GREDI, Département d'économique, Université de Sherbrooke)

  • Andre Leclerc

    (Secteur sciences humaines, Université de Moncton, campus d’Edmundston)

  • Jean-Baptiste Nesmy

    (Département d’économique, Université de Sherbrooke)

Abstract

This study seeks to establish how banking productivity is affected by taking into account, in addition to loans and deposits, transactions carried out by banks for their customers. We use a panel of data on Desjardins covering the period 1999 - 2002. Two methods are applied to measure productivity growth, that is, a variant of the standard accounting method used by Statistics Canada based on the Fisher ideal index, and the Malmquist index based on the nonparametric DEA model. We also apply two different methods for determining the price of loans and deposits. The first is the Barnet/Donovan user cost approach which is based on the difference between the effective rate and a reference rate representing the pure cost of the funds borrowed without allowance for risk. The other is the effective interest rate. As a whole, we find that transaction products do not change importantly the productivity growth. The main reason is that these products represent quite a small share in the aggregate output (between 6,8% and 21,4%). We observe however that the index of productivity based on the Fisher ideal indexes is higher than the aggregative indexes Malmquist for all the studied period.

Suggested Citation

  • Mario Fortin & Andre Leclerc & Jean-Baptiste Nesmy, 2006. "L’impact des opérations transactionnelles sur la croissance de la productivité dans le secteur bancaire," Cahiers de recherche 06-01, Departement d'économique de l'École de gestion à l'Université de Sherbrooke.
    • Handle: RePEc:shr:wpaper:06-01
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    References listed on IDEAS

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