EFEKTYWNOŚĆ OPERACYJNA BANKÓW W POLSCE W LATACH 1994 - 1996 (Na przykładzie dziewięciu banków wyodrębnionych z NBP)
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Date
1998
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Wydział Prawa i Administracji UAM
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OPERATIONAL EFFICIENCY OF POLISH BANKS IN 1994 - 1996 (The case of nine commercial banks separated from the National Bank of Poland in 1989)
Abstract
The aim of the article is to analyse operational efficiency of nine commercial banks separated
from the National Bank of Poland in 1989. The background of this analysis is a presentation and
evaluation of principal institutional and economic factors that do influence the banking sector.
The notion of operational efficiency of this sector can be defined as an ability of banks to operate
effectively their current activities under market circumstances and competition. Operational efficiency
during macro-economic transformation depends heavily on external factors particularly,
institutional ones. The impact of these factors stems from the need to implement deep changes in
qualitative policy changes in economic structure and in the role of public sector borrowing requirement.
The latter is still very important thanks to the underdevelopment of financial intermediation
and shallow money market in Poland.
The work has two parties. The first part presents a discussion and an analysis of institutional
and economic conditions prevailing around the banking sector in Poland during early stage transformation.
Knowledge of these condition is necessary to understand and then interprete changes
occurring in operational efficiency of banks. Most new legal regulations in banking sector have
been introduced between 1989 and 1994. The Authors have assumed that quantitative analysis of
operational efficiency in 1989 -1993 would be neovily biased by frequent, major changes of banks’
institutional environment. This analysis has been done for relatively homogenous group of nine
banks created in 1989 on the basis of regional branches of the National Bank of Poland. Second
part of the paper was devoted to presentation of the results of quantitative analysis of operational
efficiency in the group of the nine banks. Examination of effectiveness was done using generalized
DuPont method and a matrix approach.
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Citation
Ruch Prawniczy, Ekonomiczny i Socjologiczny 60, 1998, z. 3-4, s. 181-198