Is being big...better? : a study of Norwegian saving banks

2012

Masteroppgave i økonomi og administrasjon - Universitetet i Agder 2012 This study examines the relationship between size and financial efficiency, existence of economies of scale in the context of Norwegian saving banking sector in the span of nine years from 2002 to 2010. The study has used longitudinal data which is secondary data in its nature and is obtained from the Norwegian saving banks association. Multiple regressions have been applied in order to find the nature and significance of relationship, and polynomial regression is used to demonstrate the curvilinear relationship. Total assets and deposits are used as a dimension of size; operating expense ratio is used as efficiency meas…