<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2448-718X</journal-id>
<journal-title><![CDATA[El trimestre económico]]></journal-title>
<abbrev-journal-title><![CDATA[El trimestre econ]]></abbrev-journal-title>
<issn>2448-718X</issn>
<publisher>
<publisher-name><![CDATA[Fondo de Cultura Económica]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-718X2020000300759</article-id>
<article-id pub-id-type="doi">10.20430/ete.v87i347.882</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Eficiencia social en las cajas de ahorro españolas transformadas en bancos]]></article-title>
<article-title xml:lang="en"><![CDATA[Social efficiency in savings banks transformed into commercial banks in Spain]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[San-Jose]]></surname>
<given-names><![CDATA[Leire]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Retolaza]]></surname>
<given-names><![CDATA[Jose Luis]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Torres Pruñonosa]]></surname>
<given-names><![CDATA[Jose]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad del País Vasco  ]]></institution>
<addr-line><![CDATA[Bilbao ]]></addr-line>
<country>Spain</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Univerisidad de Deusto  ]]></institution>
<addr-line><![CDATA[Bilbao ]]></addr-line>
<country>Spain</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Internacional de la Rioja  ]]></institution>
<addr-line><![CDATA[Logroño ]]></addr-line>
<country>Spain</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2020</year>
</pub-date>
<volume>87</volume>
<numero>347</numero>
<fpage>759</fpage>
<lpage>787</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-718X2020000300759&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-718X2020000300759&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-718X2020000300759&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de este documento es analizar el efecto de la transformación de cajas de ahorro en bancos comerciales. Las cajas de ahorro españolas durante el periodo de 2012 a 2014 se han utilizado como &#8220;cuasiexperimento&#8221; o como ejemplo para otros países en los que actualmente existe esta estructura. El objetivo es mostrar si hay diferencias de eficiencia entre los bancos y las antiguas cajas de ahorro. El resultado es que, al menos en los primeros años posteriores a su transformación, las cajas de ahorro siguen obteniendo resultados sociales positivos y, además, están mejorando sus resultados económicos. Estos hallazgos son útiles tanto para posibles transformaciones de cajas de ahorro de otros países europeos en los que existe este tipo de entidades financieras, como para futuras investigaciones con datos financieros en América Latina, Asia o África.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The aim of this paper is to analyse the effect of the transformation from savings banks into commercial banks. The Spanish savings banks during the 2012-2014 period have been used as a &#8220;quasi-experiment&#8221; or as an example for other countries in which there are savings banks nowadays. The aim is to show if there are efficiency differences between banks and former savings banks. Then, at least in the first years after their transformation, savings banks are still achieving very positive results in social activities, and, besides, they are improving their economic results. These findings are useful for both potential transformations of savings banks in other European countries with this type of financial entities, and for future research with Latin America, Asia or Africa financial data.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[DEA]]></kwd>
<kwd lng="es"><![CDATA[eficiencia]]></kwd>
<kwd lng="es"><![CDATA[gobernanza]]></kwd>
<kwd lng="es"><![CDATA[politización]]></kwd>
<kwd lng="es"><![CDATA[bancos comerciales]]></kwd>
<kwd lng="es"><![CDATA[cajas de ahorro]]></kwd>
<kwd lng="es"><![CDATA[España]]></kwd>
<kwd lng="es"><![CDATA[G21]]></kwd>
<kwd lng="es"><![CDATA[M10]]></kwd>
<kwd lng="en"><![CDATA[DEA]]></kwd>
<kwd lng="en"><![CDATA[efficiency]]></kwd>
<kwd lng="en"><![CDATA[governance]]></kwd>
<kwd lng="en"><![CDATA[politicization]]></kwd>
<kwd lng="en"><![CDATA[commercial banks]]></kwd>
<kwd lng="en"><![CDATA[savings banks]]></kwd>
<kwd lng="en"><![CDATA[Spain]]></kwd>
<kwd lng="en"><![CDATA[G21]]></kwd>
<kwd lng="en"><![CDATA[M10]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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