Table 1 Descriptive statistics
From: Scale effects on efficiency and profitability in the Swiss banking sector
Mean | SD | Min | Median | Max | N | |
|---|---|---|---|---|---|---|
Cost/income ratio (%) | 54.26 | 10.28 | 32.37 | 53.55 | 87.25 | 2497 |
Return on assets (%) | 0.37 | 0.19 | − 0.06 | 0.34 | 1.33 | 2497 |
Personnel cost/income (%) | 30.69 | 7.10 | 17.18 | 29.94 | 56.92 | 2497 |
Material cost/income (%) | 23.57 | 6.56 | 11.51 | 22.89 | 44.24 | 2497 |
Expense/asset ratio (%) | 1.10 | 0.37 | 0.59 | 1.04 | 2.94 | 2497 |
Net operating income/assets (%) | 0.58 | 0.31 | − 0.62 | 0.56 | 1.75 | 2497 |
Return on risk-wtd. assets (%) | 0.69 | 0.38 | − 0.09 | 0.61 | 2.63 | 2345 |
Return on equity (%) | 4.81 | 2.61 | − 1.73 | 4.43 | 18.07 | 2497 |
Log(Total Assets) | 20.89 | 2.08 | 15.40 | 20.37 | 28.48 | 2497 |
Deposits/assets (%) | 63.90 | 9.34 | 39.34 | 63.96 | 90.22 | 2497 |
Mortgages/assets (%) | 73.60 | 13.49 | 10.08 | 77.38 | 88.03 | 2497 |
Trading/assets (%) | 0.74 | 2.82 | 0.00 | 0.03 | 20.85 | 2497 |
Net Int. Inc./Op. Inc. (%) | 78.06 | 15.29 | 21.86 | 80.73 | 101.53 | 2497 |
Commission Inc./Op. Inc. (%) | 15.90 | 12.24 | 0.00 | 13.09 | 63.21 | 2497 |
Trading Inc./Op. Inc. (%) | 4.12 | 4.18 | − 5.62 | 3.27 | 22.52 | 2497 |
Capital/assets (%) | 7.95 | 2.06 | 3.59 | 7.67 | 14.84 | 2497 |
RWA/Assets (%) | 54.50 | 8.44 | 25.31 | 54.63 | 81.99 | 2497 |
Domestic/total assets (%) | 96.34 | 11.33 | 19.31 | 99.47 | 100.00 | 2497 |
HHI of Mtg Holdings (/1000) | 7.50 | 2.52 | 0.82 | 8.37 | 10.00 | 1801 |
Avg. local HHI (/1000) | 1.96 | 0.54 | 1.12 | 2.00 | 3.64 | 1801 |