Prioritizing inefficient criteria of Bank Melli branches in Iran

In the field of efficiency and productivity of the banking system, various researches have been conducted and there are different models for investigating the inefficiency of banks. This variation in models is due to the nature of the concept of efficiency, especially its uncertain boundaries and because of the various conceptualizations of organizational efficiency. Some of the approaches to calculating inefficiency based on banks' objectives are: objective model, system model and inefficiency model. However, researches with a comprehensive view on the inefficiency of bank branches have not been found, in this research, all approaches have been used by experts in bank branches with education and experience. Because applying a single criterion is not suitable for bank branches and there is no single criterion that can provide all the activities of bank branches. Therefore, while identifying the criteria and indicators, they have been sipped with the opinion of banking experts. . This research, based on banking experts' opinions and analysis by fuzzy Delphi method and analytical hierarchy, concluded that the ratio of interest on deposits to the interest of branch payment facilities, assets of branches to income from facilities, deferred demands and past maturity to the total residue of branch facilities, ratio of funds ready to loan to total branch deposits, ratio of total undesirable claims to total branch facilities and liquidity ratio to total assets The branch shows the inefficiency of the branch in order And Melli Bank is looking for the same goals as conventional banks, which include profitability combined with reduced banking risks.