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The impact of regional and demographic factors on the efficiency of German savings banks

Alexander Conrad (), Doris Neuberger () and Lucinda Trigo Gamarra

No 111, Thuenen-Series of Applied Economic Theory from University of Rostock, Institute of Economics

Abstract: This paper examines the influence of environmental factors on technical, cost, scale and revenue efficiency of German savings banks in 2001-2005. Taking into account growing regional disparities in economic wealth and population size, it differentiates between declining and growing regions. Regional and demographic factors explain part of the variation in efficiency levels. Population density and branch penetration positively affect efficiency in growing regions. A negative impact of economic power and a positive impact of competitive pressure on efficiency support the quiet life hypothesis. In declining regions, a larger share of elder people reduces bank efficiency. Savings banks seem to be well adapted to unfavorable environmental conditions.

Keywords: savings banks; efficiency; Data Envelopment Analysis; demographic change; regional disparities (search for similar items in EconPapers)
JEL-codes: D21 D24 G21 R1 (search for similar items in EconPapers)
Date: 2009
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Persistent link: https://EconPapers.repec.org/RePEc:zbw:roswps:111

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