Urban Regional

Competition and Efficiency in the Mexican Banking Industry: by Sara G. Castellanos, Gustavo A. Del Ángel, Jesús G.

By Sara G. Castellanos, Gustavo A. Del Ángel, Jesús G. Garza-García

This important new booklet contributes to the certainty of festival coverage within the Mexican banking process and explains how degrees of pageant relate to banks' potency. It contrasts techniques of monetary idea with empirical proof to distill optimum coverage judgements. The authors learn the banking quarter in Mexico, a constructing nation with a regulated and sound banking process and an with powerful participation from international systemic banks. besides the fact that, the Mexican banking method maintains to have low monetary deepening within the financial system. concurrently, adjustments skilled by way of the Mexican economy in fresh a long time have thoroughly reworked its structure, constitution of possession and regulate, and its aggressive stipulations, and feature undeniably affected process functionality and potency. this offers a average laboratory within which to respond to the questions of students, economists, and policymakers.

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Additional info for Competition and Efficiency in the Mexican Banking Industry: Theory and Empirical Evidence

Sample text

The second consolidation took place toward the beginning of the 1980s after the government had expropriated the banking sector. The third was the result of the Tequila crisis, which erupted toward the end of 1994 and severely affected the Mexican banking system. This last consolidation process took several years; 38 COMPETITION AND EFFICIENCY first, banks in good conditions absorbed institutions that did not survive the crisis. Second, global banking groups acquired different banking entities, including larger banks in Mexico.

An important measure of efficiency is scale efficiency, which is defined by the ratio: SCALE = CRS/VRS. This measure of efficiency calculates the scale size of the productivity of the DMU. 6 In the study in chapter 5 the model calculates the input-oriented VRS, CRS and SCALE efficiencies following the work of various authors7 (see Casu and Molyneux 2003). , n, x0 is a vector of input of DMU0, and X is the matrix of input of the other DMUs. The value of θ will be the efficiency score for the 0-th DMU, where 0 ≤ θ ≤1.

J (35) d l W ji + ln ui j +1 where Ci represents the total cost, TAi the total assets, wi the inputs costs of firm i. In the example above, three inputs costs are considered, Trend denotes L I T E R AT U R E R E V I E W O F B A N K I N G S T U D I E S 29 technological progress, and μi the error disturbance term. The unit price is calculated as the price over total assets. Hence, when the price equals marginal costs it reflects perfect competition and when prices are above the marginal costs then firms are said to be less competitive.

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