The Study of Banking System Functionality Based on Data Envelopment Analysis (DEA) Method: A Case Study in Keshavarzi Banks in Kurdistan Province

Abstract

This project has concentrated on technical evaluation and scales of Keshavarzi Bank in Kurdistan Province. To access this objective, descriptive and survey research has been used. In this order , different check lists of research input such as operational , non- operational and investment costs, industrial criterion , agricultural criterion , cite condition, branch ranking and the rate of literacy and also the research output including different kinds of deposits, delivered facilities, income and function have been collected. The studied society of this project is the whole 42 branches of Keshavarzi Banks in Kurdistan Province. Using the Data Envelopment Analysis and CCR and BCC models , the scale and technical productivity of the branches have been studied . Also the hierarchical analysis has been used to determine the importance coefficient of the research outputs. The results of this research shows that 25 out of 42 branches of Keshavarzi Banks have technical productivity based on CCR model and 16 branches based on BCC model have both the scale and technical productivity. The branches of Quorveh , Bijar , divandareh and Sanandaj are higher 5 branches regarding the scale and technical productivity, and the branches of Meidan-E-Bar Sanandaj, Bazar Bijar Jomhuri Street of Marivan are of non-productive branches of Keshavarzi banks in Kurdistan Province. Also, based on these results of hierarchical analysis of the data (AHP), the efficiency of deposits was 0.633 , delivered facilities was 0.287 and income was 0.08

DOI: 10.5901/mjss.2015.v6n6s2p547