Year: 2016
Author: Maurer, Thomas, Thießen, Friedrich
Credit and Capital Markets – Kredit und Kapital, Vol. 49 (2016), Iss. 3 : pp. 445–471
Abstract
On the Success of Rural and Urban Cooperative Banks
This paper analyzes efficiency differences between rural and urban banks. It is based upon German cooperative banks data from the 2005–2011 period and uses gross profit margins to measure bank success. Rural banks show consistently higher margins than urban banks. There are statistically significant differences between rural, semi-urban and urban banks in all key indicators for expenditure, revenue and success. The crucial result is that in all years the net interest income is in favor of rural banks, as interest income was higher and interest expense was lower than in urban banks. Quantity and price aspects, however, go in different directions: rural banks charge lower interest rates, but do more profitable corporate business. Rural banks have significantly higher personnel and material expenses. Overall, the competition argument from the literature can be confirmed. Interrelations, however, are far more complex than illustrated in the literature.
Journal Article Details
Publisher Name: Global Science Press
Language: German
DOI: https://doi.org/10.3790/ccm.49.3.445
Credit and Capital Markets – Kredit und Kapital, Vol. 49 (2016), Iss. 3 : pp. 445–471
Published online: 2016-09
AMS Subject Headings: Duncker & Humblot
Copyright: COPYRIGHT: © Global Science Press
Pages: 27
Keywords: G21 Interest margin Bank efficiency Cooperative banks Rural vs. urban banking German banks
Author Details
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Die Größe einer Genossenschaftsbank als Einflussfaktor auf risikoadjustierte Kapitalstruktur- und Ergebniskennzahlen
Helms, Nils
Zeitschrift für das gesamte Genossenschaftswesen, Vol. 68 (2018), Iss. 3 P.168
https://doi.org/10.1515/zfgg-2018-0015 [Citations: 0]
| Section Title | Page | Action | Price |
|---|---|---|---|
| Thomas Maurer / Friedrich Thießen: Erfolgsunterschiede städtischer und ländlicher Genossenschaftsbanken | 1 |