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    ASIA unversity > 管理學院 > 財務金融學系 > 期刊論文 >  Item 310904400/9906

    Please use this identifier to cite or link to this item: http://asiair.asia.edu.tw/ir/handle/310904400/9906

    Title: Services and the long-term profitability in Taiwan's banks
    Authors: Liu, Yong-Chin and Jung-Hua Hung?
    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: 2010-06-08 13:53:29 (UTC+8)
    Publisher: Asia University
    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 17(2):177-191
    Appears in Collections:[財務金融學系] 期刊論文

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