Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/209822 
Year of Publication: 
2003
Series/Report no.: 
Working Paper No. 2003/8
Publisher: 
Norges Bank, Oslo
Abstract: 
This paper summarizes a survey of costs and income in the payment system of Norwegian banks in 2001. The cost analysis was carried out by using the activity based costing (ABC) framework. The results from this analysis are presented in the paper, combined with information from other sources to form a complete picture of the costs and income in the retail payment systems run by banks in Norway. The results are compared with results from two previous surveys, performed in 1988/1989 and 1994. The main findings show that the costs have been substantially reduced over time, income based on direct pricing has risen, and although the banks still deliver payment services with a loss, the negative margin has decreased.
Subjects: 
ABC
bank's costs
payment systems costs
retail systems
activity based costing
JEL: 
G21
M1
Persistent Identifier of the first edition: 
ISBN: 
82-7553-217-5
Creative Commons License: 
cc-by-nc-nd Logo
Document Type: 
Working Paper
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