This paper examines the impact of regulatory reform on the performance of Spanish savings banks. To this end it uses panel data for the period 1986-1995 and a flexible variable profit function that incorporates time-varying technical efficiency. The focus is whether increased competition brought...

In this paper we evaluate the financial performance of virtually all of the branch offices of a large European savings bank for a recent sixmonth accounting period. We employ a complementary pair of nonparametric techniques to evaluate their financial performance, in terms of their ability to...