56189 20161006102712.0 sideral 95387 ART-2016-95387 eng (orcid)0000-0001-6661-1128 Bachiller Baroja, Patricia Universidad de Zaragoza The determinants of performance in financial institutions: an application to Spanish savings banks 2016 Access copy available to the general public Unrestricted This 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. info:eu-repo/grantAgreement/ES/UZ/JIUZ-2014-SOC-05 info:eu-repo/semantics/openAccess by http://creativecommons.org/licenses/by/3.0/es/ info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Lasa, Francisco-de-Borja 4002 230 Universidad de Zaragoza Departamento de Contabilidad y Finanzas Economía Financiera y Contabilidad 6, 1 (2016), 312-327 Int. j. res. soc. sci. (Islamabad) International journal of research in social sciences (Islamabad) 2307-227X 396508 http://zaguan.unizar.es/record/56189/files/texto_completo.pdf Versión publicada 78688 http://zaguan.unizar.es/record/56189/files/texto_completo.jpg?subformat=icon icon Versión publicada oai:zaguan.unizar.es:56189 articulos driver 2016-07-18-09:48:32 ARTICLE