Technical Efficiency of SAMAN BANK Branches and Determinant Factors

This paper studies the technical efficiency of 12 branches of Saman Bank over the period 1387-88, relating it to the composition of staff by sex, the ratio of fixed assets to total assets, the age of the branches and the geographic ranking in development indicators of the city where the branch is located in. Data Envelopment Analysis is used to determine the efficiency of branches. The average level of technical inefficiency of these branches is found to be 0.7. The results show a positive relationship between the efficiency and the ratio of fixed assets to total assets, but the second variable is found to have decreasing impact as the absolute value of the variable rises. The study also finds a negative relationship between the efficiency and the ratio of male employees and a positive relationship between efficiency and the value of development indicators of the city the branch is located in.