NUOVE RIFLESSIONI SULLE ECONOMIE DI SCALA E DI SCOPO NEL SETTORE BANCARIO

This paper investigates about the existence of economies of scale and scope in the Italian banking system. The wide process of reorganization and differentiation of the banking system aloud by the 1993 legislation offers in fact a new occasion of deepening this question. The data, relative to 111 medium and large banks operating in the time 1998-1999, show significant economies of scale for both years and economies of scope connected to the production of intermediation and payment services. Also important appears the role of the bad credit when its consequences on the costs are explicitely recognized in determining of performances of bank.