Essays on efficiency and technological change in the banking sector.

This thesis investigates the efficiency subjects in the banking sector. There are three essays related to efficiency in different countries the banking sector in this thesis. The third chapter examines efficiency score of the whole Swedish Financial System after the Swedish Solution, which is the name of the stabilization programs implemented to overcome the financial crisis. The fourth chapter examines the relationship between the technical and scales efficiency, technological change and total factor productivity of the listed banks in the Turkish banking industry over the period from 1999 to 2013. In the fifth chapter, I used our estimator to produce new estimates of efficiency for the Eurozone banking sector the period from 1999 to 2009. The Eurozone banking sector experienced rapid consolidation during these years. This consolidation coincidedwith dramatic changes in regulation, market structure, and in the use of information-processing technology by banks and their competitors