The Study on the Operational Efficiency and Productivity of Bank Branches-Two-Stage Data Envelopment Analysis.

• Main Authors: SHEN,CHUEN-ING, 沈春英
• Other Authors: CHEN, FU-CHIANG
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/ay5m8y

碩士 === 致理科技大學 === 企業管理系服務業經營管理碩士班(含碩士在職專班) === 107 === This study uses two-stage Data Envelopment Analysis (DEA) and Malmquist Productivity Index (MPI) to evaluate the operational efficiency and productivity of 120 branches for a domestic bank; referring to the relevant literature, in the first stage, employment costs, fixed assets and interest expenses are input items and the average balance of loans and the average balance of deposits are output items to evaluate the operational efficiency of each branch; the output items of the first stage are the inputs of the second stage and net interest income, fee income, and loan loss are the outputs of the second stage in order to evaluate the profitability of each branch.Therefore, the data of the input and output in the financial data of the 120 branches of the case bank from 2015 to 2018 are selected. According to the empirical analysis, the average technical efficiency (TE) of the overall branch operation efficiency is 0.761 and the TE average of the profitability efficiency is 0.634. Firstly, in terms of returns to scale, the percentage of the mixed inefficiency, branchs is 80% and 77.5 % for each stage respectively. Secondly, the average two-stage productivity (MPI) from 2015 to 2018 is 0.961 and 0.939 respectively, indicating that productivity is showing a decline.Finally, in terms of the business model, at the first stage the branches belonging to high-efficiency operation and high-productivity is accounted for only 7.5%; the branches with the low-operation operation efficiency and the low-productivity are the most, accounted for 56.67%; at the second stage the branches belonging to a high-profit-efficient and high-productivity is accounted for only 5.83%; the branches with low profitability and low productivity are the most, accounted for 61.67%.