A Measurement of Bank Performance─Application of Non-financial Index

• Main Authors: Chen Hsin-Yu, 陳欣妤
• Other Authors: Chiung-Ju Liang
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/82034341294420304902

碩士 === 國立臺灣科技大學 === 企業管理系 === 90 === After the government open the establishment of bank , the competition in the bank industry increases , whih generates the profit decreases and the rate of arrear increases . Unless the quality of loans is controlled , the bank may be efficient in producing and risky in output .Therefore, we must take care the importance of risk in management . Because the rate of arrear can’t be solved , the stock price of bank decreases . And when people in Taiwan make investment decisions , they often concern the ESP or operating income and ignore other important information out of financial statement . The study concludes two stages , the first-stage use DEA to measure the efficiency of open corperation in bank industry during 1996 to 2000 . The second-stage contains bad loans , efficient score and the rate of arrear to analyze the reasons which cause the gap between market value and book value in the bank industry . The study’s conclusion as follows： 1. When the rate of arrear is included , the efficiency scords of newly private bank arrear oldly public bank . 2. Whether the rate of arrear is included , the productivity of newly private bank is supiror than others , which means unless they improve their productivity , the can’t face the competivity environment . 3. Initially , we suppose if we add the rate of arrear , we can get its influence .But because many banks belie the amount of bad loans via channels , we cant get the real importance . 4. If we separate net income after tax into operating profit , management and sales profit and nonoperating expense , we get positive and negative relation . It means that if we only analyze net income , we may ignore the influence of other facts .