Banking in Switzerland by Niklaus Blattner, Hans Genberg, Alexander Swoboda

By Niklaus Blattner, Hans Genberg, Alexander Swoboda

Oliver Landmann no one should be confident of the significance of banking for the Swiss financial system. The monetary region grew good above regular long ago decade and now debts for nearly 10 % of GDP. in comparison to the economy-wide standard, it creates greater than double as a lot worth extra in keeping with worker and it's a significant contributor to Swiss ex­ port sales. yet this is often no reason for complacency. The is subjf:ct to swift switch because the aggressive weather has turn into rougher nationally and across the world. significant structural weaknesses have corne to the skin which elevate severe questions about the level of the necessary structural alterations. therefore, banking used to be a fantastic candidate for a massive case learn within the framework of the nationwide study Programme No. 28 that is dedicated to Switzerland's exterior monetary demanding situations. The programme used to be commissioned by means of the Swiss executive and is performed by way of the Swiss nationwide technological know-how starting place. The study venture at the fmancial region was once directed by way of Professors Niklaus Blattner, Hans Genberg and Alexander Swoboda who assembled a staff of study economists from the Graduate Institute of foreign experiences, the foreign Centre for financial and Banking stories (both at Geneva) and the Labour and commercial Economics study Unit on the collage of Basel. This joint learn attempt has yielded a powerful crop of descriptive facts, analytical insights and policy-oriented conclusions.

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18 ~ 20 22 24 saA 36 7. Summary and conclusions The various concepts for measuring and analysing the performance of banks on accounting data used in this study have been focused on quite disparate aspects. In the case of the profitability indicators (ROA, ROE) the performance is measured in terms of the cotporate profit remaining after expenses have been deducted. For assessing the performance of a bank, and also for comparing entetprises, the return obtainable per unit of capital is taken as a basis.

The concept is thus particularly helpful in answering questions on the efficiency of the capital invested. With the value added approach the total earning power is at the focus of interest. e. by the total of net profit, wages and salaries, rents, leasing charges, taxes, etc. The ratio PROD is therefore a reflection of the income which a bank as a whole can generate per employee. If the added value approach is followed, a bank is above average in its performance and competitive ability if, after all the input factors in the entetprise have been indemnified in a manner in line with market principles, an added value, as it is called, results.

54 Let me demonstrate this point in somewhat greater detail since it is an interesting example of how changes in the regulatory area, although beneficial to reporting transparency over the long term, in this particular case are likely to produce the opposite effect at their time of introduction. The Banking Commission circular gave banks the freedom to decide whether to allocate their assets to current or fixed assets, such reclassification to be made retroactively to 1st January 1990 at the market value on that date.

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