Efficiency in the U.S. Bank Holding Companies

• Main Authors: Lai Mei-Li, 賴美利
• Other Authors: Wen S.Y.
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/94175237128904656563

碩士 === 長庚大學 === 企業管理研究所 === 92 === The subject of this research is to investigate the efficiencies of U.S. Bank Holding Companies（BHC）and to compare the efficiencies of U.S. BHCs and Non-BHCs. Besides, the data are adopted from the website of the federal reserve. 50 large BHCs and 50 large Non-BHC commercial banks are selected. Then the data above are calculated through the software of Data Envelopment Analysis（DEA）. Conclusions are as the followings： 1. There are 5 BHCs that are efficient, whereas there are 45 inefficient BHCs. Among 2 inputs and 3 outputs, personnel expense and interest income must be improved most. 2. Scale efficiency （SE） is higher than Technical efficiency（TE） from 2000 to 2003.This indicates that TE is the main reason which affects the overall efficiency. 3. Among 100 samples of BHCs and Non-BHCs, all commercial banks are inefficient. Besides, the sample banks should pay more attention to improve the number of equivalent employees and saving deposits. 4. The average SEs of both BHCs and Non-BHCs are higher than the average TEs. This represents that TE affects the overall efficiency most.