TY - JOUR
T1 - Trends in efficiency in response to regulatory reforms
T2 - The case of Indian and Pakistani commercial banks
AU - Jaffry, Shabbar
AU - Ghulam, Yaseen
AU - Cox, Joe
PY - 2013/4/1
Y1 - 2013/4/1
N2 - This paper attempts to estimate trends in the efficiency levels of Indian and Pakistani commercial banks between 1985 and 2003, a time period which encompasses two phases of significant change to the regulation of the financial sector in both countries. Our efficiency estimates show that, during the initial years of the post reform period, a reduction in efficiency is observed for banks in both countries. However, efficiency levels were found to have increased subsequently, suggesting a period of initial adjustment throughout much of the 1990s followed by a subsequent correction in the latter part of the sample period.
AB - This paper attempts to estimate trends in the efficiency levels of Indian and Pakistani commercial banks between 1985 and 2003, a time period which encompasses two phases of significant change to the regulation of the financial sector in both countries. Our efficiency estimates show that, during the initial years of the post reform period, a reduction in efficiency is observed for banks in both countries. However, efficiency levels were found to have increased subsequently, suggesting a period of initial adjustment throughout much of the 1990s followed by a subsequent correction in the latter part of the sample period.
KW - Deregulation
KW - Efficiency
KW - Indian banking
KW - Pakistani banking
KW - Privatisation
KW - Technology
UR - http://www.scopus.com/inward/record.url?scp=84873056666&partnerID=8YFLogxK
U2 - 10.1016/j.ejor.2012.11.002
DO - 10.1016/j.ejor.2012.11.002
M3 - Journal Article
AN - SCOPUS:84873056666
SN - 0377-2217
VL - 226
SP - 122
EP - 131
JO - European Journal of Operational Research
JF - European Journal of Operational Research
IS - 1
ER -