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    Title: Services and the long-term profitability in Taiwan’s banks
    Authors: 洪榮華;劉永欽;Liu, Yong-Chin
    Contributors: 財務金融學系
    Keywords: Internal rate of return;Branch number;Service quantity;CAMEL;Structure–conduct–performance
    Date: 2006-12
    Issue Date: 2012-11-26 10:37:09 (UTC+8)
    Abstract: This paper examines the relationship between service quantity and long-term profitability of Taiwan's banks. We employ the Fama–French IRR approach to measure long-term profitability and branch number, overhead expenses and average salaries as service proxies. The regression analysis using panel data reveals a strongly positive link between branch number and long-term profitability. This may explain why banks seek mergers with poorly operating financial institutions. The disadvantages of increased overhead expenses for enhancing services may be temporary. Furthermore, average salaries are detrimental to banks' profits, suggesting that personnel costs may be a serious burden; this may explain why a growing number of banks in Taiwan encourage early retirement of their senior employees who are then replaced by low-cost workers.
    Relation: global finance journal
    Appears in Collections:[Department of Finance] Journal Article

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