By Edward P M Gardener, Joe Falzon (eds.)
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Sample text
Gardener and Philip Molyneux to those sectors that can benefit from positive supply-side effects. In particular, 'price reductions occasioned by competitive pressures will force firms to look actively for reduction in costs through the elimination of areas of low productivity or by a greater exploitation of scale economies' {European Economy, 1988, p. 162). Despite the importance of economies of scale, however, few studies have investigated cost characteristics in European banking and no studies, as far as we are aware, have provided cross-country comparisons.
The second part of this chapter focuses on X-inefficiencies. From the individual banking system estimates we found no strong evidence that the implementation of the single market programme (SMP), or other forces for that matter, had forced banks in a particular size category to become more efficient. Instead the results suggested that if the SMP has had any impact on X-inefficiencies, then its effect has varied across different countries. Overall, the individual country estimates suggest that there has been no systematic impact on X-efficiency levels across European banking sectors.
Instead, the data might be taken as suggesting that, if the SMP has had any impact within this particular context, then its effect has varied across different countries. Either way, the data do not suggest that the SMP has had a strong impact on efficiency levels within the banking and credit sector. EU Estimates So as to investigate bank X-inefficiencies further, we decided to estimate a cost frontier for all EU banking markets combined over the period 1990 to 1994. From this one could compare how far banks in various systems lay off the E U efficient frontier.