engBachiller Baroja, PatriciaLasa, Francisco-de-BorjaThe determinants of performance in financial institutions: an application to Spanish savings banksART-2016-95387This paper analyses the determinants of the performance of Spanish savings banks. We study whether efficiency, core capital, the delinquency ratio, liquidity, the number of branches and profitability influence the performance of these entities. We find evidence that efficiency and core capital lead to greater performance. However, the results indicate that the higher the delinquency ratio, the lower the performance will be. Entities that opened new branches uncontrollably, without an analysis of their viability and profitability, now have a network which clearly decreases their performance. Only the entities that have maintained a solid core capital can maintain their position during the financial crisis. They had greater financial strength and more ability to recognise provisions without excessively damaging their capital and, thus, their solvency.2016http://zaguan.unizar.es/record/56189http://zaguan.unizar.es/record/56189oai:zaguan.unizar.es:56189info:eu-repo/grantAgreement/ES/UZ/JIUZ-2014-SOC-05International journal of research in social sciences (Islamabad) 6, 1 (2016), 312-327byhttp://creativecommons.org/licenses/by/3.0/es/info:eu-repo/semantics/openAccess