Problem loans and cost efficiency in commercial banks

Article Abstract:

A study on the relationship between bank capital, cost efficiency and loan quality brought forth data that suggested that the rise in problem loans were preceded by capital reductions in thinly capitalized banks. Reductions in problem loans were also preceded by measured cost efficiency, while the reduction in measured cost efficiency were preceded by problem loans. Ambiguous results arose on whether researchers should or should not control problem loans in the estimation of efficiency. Cost efficiency, thus, can probably be a significant factor for problem banks and problem loans.

Commercial Banking, Commercial banks, Bank capital

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Are labor-saving technologies lowering employment in the banking industry?

Article Abstract:

Impact of use of labor-saving technologies on reducing employment is analyzed in context of the banking industry.

United States, Science & research, Personnel administration, Research, Human resource management, Technology application, Company personnel management, Technological unemployment

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