The study of Commercial Bank's Efficiency Based on Data Envelopment Analysis (DEA) (The Case Study of Bank Saderat in Mazandaran Province of Iran)

Through this research paper, the efficiency of 141 Mazandaran branches of Bank Saderat in 2004 is evaluated using Data Envelopment Analysis which is a linear programming and non parametric method. The variants considered here are categorized into two groups consisting of; inputs (number of staff, terminals and book value of branches), and outputs (weighted sums of deposits, the average of 12 months of private sector facilities (loans), and adjusted deferred claims. That hypothesis in which more than 50٪ of bank Saderat branches are inefficient has been analyzed. There, it is indicated that how the branches can receive the frontier of efficiency by modifying their inputs or outputs. The study shows that 70٪ of branches are inefficient, whereas the varying return scale is different from the constant return scale. Misallocation of personnel in branches is known as an important factor for inefficiency. To Make the branches more efficient, we must economize on using resources (Inputs) at least to 36٪.