ALMAN BANKACILIK SEKTÖRÜNÜN MALİYET ETKİNLİĞİ

Yıl 2023, Cilt: Aralık Sayı: 3, 15 - 26, 31.12.2023

Çağlar Hamarat

Öz

Almanya'da bankacılık sektörünün 2015-2018 yılları arasındaki maliyet etkinliğini değerlendirmek için bu çalışmada stokastik sınır analizi (SFA) ve iki alternatif X-verimlilik modeli kullanılmıştır. Araştırmanın sonuçları, Alman bankalarının ortalama maliyet etkinliğini göstermektedir. Bankaların etkinliği %57 ile %96 arasında değişmektedir ve her büyüklükteki banka için araştırma periyodu süresince değişmektedir. Ülkenin en önde gelen finansal kurumlarının çoğunun etkinlik dereceleri ulusal ortalamanın üzerinde olmasına rağmen, bir bankanın büyüklüğü ile etkinlik düzeyi arasında doğrudan bir ilişki yoktur. Buna ek olarak, Almanya'daki bankacılık sektörü genellikle ölçek ekonomilerinden yararlanmaktadır. Analiz sonuçları, genel etkinlik açısından, ülkenin batısında yer alan Alman bankalarının ülkenin doğusunda yer alan bankalardan daha üstün olduğunu göstermektedir.

Anahtar Kelimeler

Banka verimliliği, ölçek ekonomileri, stokastik sınır analizi

Destekleyen Kurum

Türkiye Milli Eğitim Bakanlığı (Ministry of National Education of Türkiye)

Teşekkür

Prof. Dr. Ümit Güner, Prof. Dr. Yasemin Deniz Koç ve Doç. Dr. Özer Özçelik

COST EFFICIENCY OF THE GERMAN BANKING SECTOR

Öz

The stochastic frontier analysis (SFA) and two alternative X-efficiency models are used in this paper in order to assess the cost efficiency of the banking sector in Germany between the years 2015 and 2018. The research's results indicate that German banks' average cost efficiency may range from 57 to 96% and that it changes over time for banks of all sizes. There is no direct correlation between the size of a bank and its level of efficiency, even though the majority of the nation's most prominent financial institutions have efficiency ratings that are higher than the national average. In addition to this, the banking sector in Germany generally benefits from economies of scale. The results of the analysis show that in terms of overall efficiency, German banks that are situated in the western part of the country are superior to those that are located in the eastern part of the country.

Anahtar Kelimeler

Bank efficiency, scale economies, stochastic frontier analysis

Kaynakça

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