مجلة الدراسات التجارية والاقتصادية المعاصرة
Volume 7, Numéro 2, Pages 63-75
2024-07-20
Measuring The Efficiency Of Commercial Banks Using The Data Envelopment Analysis Model An Applied Study Of A Sample Of Algerian Commercial Banks
Authors : Hireche Abdelkader .
Abstract
This study is designed to assess the efficiency of commercial banks in Algeria, focusing on both technical and scale efficiency. The goal is to identify the efficient banks that have been able to utilize the available inputs to achieve higher outputs, as well as to pinpoint the inefficient banks that have not been able to achieve higher outputs with the inputs available to them. Additionally, the study seeks to identify the necessary improvements that inefficient banks must implement in order to achieve total relative efficiency. The study employed an evaluative approach to measure the efficiency of commercial banks in Algeria, relying on the Data Envelopment Analysis (DEA) method and using financial data included in the annual reports issued by these banks during the period (2018-2020). DEA analysis was performed using the Variable Returns to Scale (BCC-O) model with an output-oriented approach. This involved presenting efficiency scores, size gains, and benchmark units. The study yielded several key findings, including the observation that most commercial banks in Algeria do not effectively combine input elements to achieve a certain output level. The results also highlighted the inefficient banks with surplus inputs and stagnant outputs and identified the benchmark banks for each inefficient bank. The study recommended that bank managers whose banks have not achieved the required relative efficiency (inefficient banks) should study the reasons preventing them from doing so to identify the weaknesses in their inputs.
Keywords
efficiency, banking efficiency, data envelope analysis, Volumetric Efficiency, Relative Efficiency
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