Eficiencia en sucursales bancarias bajo restricciones gerenciales y regulatorias

  • Gustavo Ferro Profesor Asociado, Departamento de Economía, Universidad del CEMA, Buenos Aires, Argentina. Investigador Independiente, Consejo Nacional de Investigaciones Científica y Técnicas (CONICET), Buenos Aires, Argentina.
  • Daniel Lema Profesor, Departamento de Economía, Universidad del CEMA Universidad del CEMA, Buenos Aires, Argentina. Investigador, Instituto de Economía – Instituto Nacional de Tecnología Agropecuaria (INTA), Buenos Aires, Argentina.
  • Francisco Schiffrer Analista, Gerencia de Estudios Económicos, Banco Ciudad de Buenos Aires - BCBA, Buenos Aires, Argentina
Palabras clave: Fronteras de eficiencia, sucursales bancarias, gerencia bancaria

Resumen

El principal objetivo de este artículo es evaluar la rentabilidad de las sucursales bancarias del Banco Ciudad de Buenos Aires utilizando un Análisis de la Frontera Estocástica (AFE). A partir de los resultados, la gerencia puede dimensionar nuevas sucursales. Además, puede considerar si se pueden levantar algunas restricciones regulatorias o administrativas, como el cierre o la apertura de nuevas sucursales sin autorización del banco central, o la reducción de personal redundante, por lo tanto, los resultados podrían ser importantes para la administración. Con los resultados se detectan sucursales de mejor y peor comportamiento. Las sucursales más y menos costo-eficientes difieren en su tamaño y mezcla de insumos. No obstante, presentan una mezcla similar de productos.

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Citas

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Publicado
2019-05-16
Cómo citar
Ferro, G., Lema, D., & Schiffrer, F. (2019). Eficiencia en sucursales bancarias bajo restricciones gerenciales y regulatorias. Estudios Gerenciales, 35(151). https://doi.org/10.18046/j.estger.2019.151.3133
Sección
Artículo de investigación