The banking sectors of the European Union have faced numerous challenges in the past decade. With regard to old EU members, as a result of the Second European Banking Directive and the Single European Passport the speed of deregulation accelerated, and with the elimination or lowering of barriers market-entry costs substantially decreased, favouring competition and the creation of a Unified Ban...

In this correspondence, a simple design method for multirate near perfect reconstruction (NPR) integer decimated filter bank with non-uniform frequency spacing and linear phase property, that involves optimization of only single parameter, is proposed. It is derived from the uniform cosine modulated filter bank (CMFB) by merging some relevant band pass filters. The design procedure and the stru...

In the present time, evaluating the performance of banks is one of the important subjects for societies and the bank managers who want to expand the scope of their operation. One of the non-parametric approaches for evaluating efficiency is data envelopment analysis(DEA). By a mathematical programming model, DEA provides an estimation of efficiency surfaces. A major problem faced by DEA is that...

Banking is a competitive market since the industry deregulated. Consumers’ demand for convenience services led to an increase in the number of branches to serve a geographically dispersed customer base. Increasing the number of branches indiscriminately is not advisable since more branches increase the cost structure for the bank. Banking executives can evaluate the relative efficiency of branc...

We compare, using data envelopment analysis (DEA), the performance of Islamic and conventional banks prior to, during and immediately after the 2008 financial crisis (2004-2009). There is no significant difference in mean efficiency between conventional and Islamic banks when efficiency is measured relative to a common frontier. A meta-frontier analysis (MFA), new to the banking context, howeve...

The first objective in any financial organization is to improve performance, and performance evaluation also is one of the best ways to advance operations in organizations. By utilizing different methods of performance evaluation, organizations can evaluate the effectiveness and efficiency of processes that are in accord with strategic objectives. In addition, the performance evaluation instrum...

This study provides comparative analysis of different banks branches efficiency in Pakistan during the year 2010. The main objective of the study is to develop an effective model for measuring the relative efficiency and achievable development proficiency of selected bank branches by analyzing their competencies and deficiencies through application of Data Envelopment Analysis. Further more, th...

In Europe, the past twenty years saw a process of liberalisation, deregulation and unprecedented financial sector reform whose main aims were to increase competition and remove all remaining barriers to the integration of EU banking sectors. However, the recent acceleration in the consolidation process has raised concerns about the potential implications for public policies deriving from increa...

We study how the introduction of a central bank-issued digital currency affects interest rates, the level of economic activity, and welfare in a model where both central bank money and private bank deposits are used in exchange. Banks in our model are financially constrained and the liquidity premium on bank deposits affects the level of aggregate investment. We study the optimal design of a di...

Many applications in auditory modeling require analysis filters that approximate the frequency selectivity given by psychophysical data, e.g. from masking experiments using narrow-band maskers. This frequency selectivity is largely determined by the spectral decomposition process inside the human cochlea. Currently used spectral decomposition schemes for masking modeling in audio coding general...