Le Manager
Volume 9, Numéro 3, Pages 104-137
2022-12-31

Determinants Of Bank State-owned Efficiency, Conventional Private And Islamic Banks In Algeria



Authors : Allalen Keltoum . Azouani Nacer .

Abstract

In this article, we examine the determinants of technical, pure technical and scale efficiency of state-owned, conventional private and Islamic banks in Algeria for the period between 2009 to 2018. We used the two-step approach which consists of calculating the efficiency scores of commercial banks using the Data Envelopment Analysis (DEA) and the fixed-effect panel model to find the determinants of the efficiency of commercial banks. The results of the DEA method show that the state-owned banks are the most efficient due to the many state supports. Conventional private banks also have good efficiency scores, but Islamic banks are slightly less efficient than other types of banks. On the other hand, the results of the fixed-effect panel model show that equity and loans are the main determinants of the efficiency of state banks, while equity, deposits, loans and inflation rate are the determinants of the efficiency of conventional private banks, and finally, the size of the bank and the importance of loans are the main determinants of the efficiency of Islamic banks in Algeria.

Keywords

technical efficiency ; pure technical efficiency ; scale efficiency ; determinants of efficiency ; DEA method ; Fixed-effect panel model ; state banks ; conventional private banks ; Islamic banks

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