dc.contributor.author | Andersen, Henrik | |
dc.date.accessioned | 2020-12-01T07:33:35Z | |
dc.date.available | 2020-12-01T07:33:35Z | |
dc.date.issued | 2020 | |
dc.identifier.isbn | 978-82-8379-176-1 | |
dc.identifier.issn | 1504-2596 | |
dc.identifier.uri | https://hdl.handle.net/11250/2690371 | |
dc.description.abstract | Operating costs in the Norwegian banking sector have been reduced considerably in recent decades, both as a share of income and assets. This has increased banks’ resilience to increased losses and reduced the risk of crises. In this article, I analyse how costs have been reduced and the main drivers of the cost efficiency improvement. The results suggest that automation and the digitalisation of banks’ operations have played a key role in improving cost efficiency. | en_US |
dc.language.iso | eng | en_US |
dc.publisher | Norges Bank | en_US |
dc.relation.ispartofseries | Staff Memo;9/2020 | |
dc.rights | Attribution-NonCommercial-NoDerivatives 4.0 Internasjonal | * |
dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/4.0/deed.no | * |
dc.subject | banks | en_US |
dc.subject | costs | en_US |
dc.subject | digitalisation | en_US |
dc.subject | regulation | en_US |
dc.subject | business cycle | en_US |
dc.title | The cost efficiency improvement of Norwegian banks can be explained by automation and digitalisation | en_US |
dc.type | Working paper | en_US |
dc.description.version | publishedVersion | en_US |
dc.subject.nsi | VDP::Samfunnsvitenskap: 200::Økonomi: 210::Samfunnsøkonomi: 212 | en_US |
dc.source.pagenumber | 43 | en_US |