ATM and banking efficiency: the case of Greece

Christos Floros, Georgia Giordani

    Research output: Contribution to journalArticlepeer-review


    This paper shows how useful the number of ATMs is for modelling and estimating banking efficiency. We examine banking efficiency for Greece using data from top 10 commercial banks. To estimate banking efficiency we employ DEA and FDH using three inputs (number of employees, number of branches and number of ATMs) and one output (loans). We find that large banks are more efficient than medium and small sized banks. Furthermore, we report that banks with a large number of ATMs are more efficient than those with a less number of ATMs. Finally, we conclude that the provision of e-banking services by banks does not influence their efficiency scores.
    Original languageEnglish
    Pages (from-to)55-65
    Number of pages11
    JournalBanks and Bank Systems
    Issue number4
    Publication statusPublished - 2008


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