that net interest income is primarily affected by the banks’ market power, their operating costs and their strategic choice …

IT standardization is conducive to cost efficiency. The relation is positive and robust for small and medium-sized banks …, this paper is first to empirically explore whether IT standardization enhances efficiency by employing genuine data of …This paper investigates the impact of IT standardization on bank performance based on a panel of 457 German savings …

investigate which factors determine funding costs at local banks. Using a panel data set of more than 800 German local savings and … cooperative banks for the period from 1998 to 2004 we show that funding costs are not only driven by the relative share of … analysis we find strong and robust evidence that, ceteris paribus, smaller banks exhibit lower funding costs than larger banks …

strong evidence that in Germany merging savings banks do not significantly change the extent to which they lend to small … merger related effects on small business lending in Germany from a bank-level perspective. Furthermore, we estimate small …

We analyze the profit efficiency of the Colombian banking industry during the period 2001 - 2013. Unlike previous … studies, we estimate revenue and cost efficiency separately and then compute profit efficiency as a composite measure of both … cost and revenue efficiency. This approach overcomes the mis-specification problems of the traditional nonstandard profit …