{"id":"W3093014996","doi":"10.3390/jrfm13100247","title":"Empirical Evidence of a Changing Operating Cost Structure and Its Impact on Banks’ Operating Profit: The Case of Germany","year":2020,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Corporate Governance and Management","field":"Business, Management and Accounting","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Business; Profit (economics); Tertiary sector of the economy; Financial services; Agency (philosophy); Principal–agent problem; Industrial organization; Economics; Marketing; Finance; Microeconomics","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001022222,0.0001498506,0.0001771609,0.001750482,0.0004404148,0.001803679,0.0003986605,0.0006121423,0.003637003],"category_scores_gemma":[0.003737559,0.0001129928,0.000286678,0.002306715,0.00105094,0.001232308,0.0007355952,0.0006560701,0.0004324245],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002399631,"about_ca_system_score_gemma":0.001039765,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.04253207,"about_ca_topic_score_gemma":0.04461895,"domain_scores_codex":[0.9993381,0.0001186417,0.00004973525,0.00008370398,0.0001507812,0.0002591025],"domain_scores_gemma":[0.9944512,0.002567163,0.001815727,0.0002062876,0.0005235149,0.0004361339],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0003939108,0.000302142,0.9482014,0.0001402903,0.0001368384,0.002709591,0.006355073,0.005632128,0.0007957065,0.006844811,0.002075276,0.02641282],"study_design_scores_gemma":[0.000005285553,0.00006503745,0.9879835,0.00004989705,0.00006054876,0.0002193484,0.007329333,0.001709298,0.0003684917,0.0002975501,0.001894988,0.00001662173],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9979101,0.0001470317,0.00004463006,0.0001322736,0.000002335009,0.000001924894,0.0001101638,0.000001829466,0.001649763],"genre_scores_gemma":[0.9995565,0.0001089138,0.00001847724,0.000007117689,0.000002331603,8.019682e-7,0.00008004675,8.440506e-7,0.0002247887],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04253207,"threshold_uncertainty_score":0.08456898,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03183992496022367,"score_gpt":0.2800151686632058,"score_spread":0.2481752437029821,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}