نوع مقاله : مقاله پژوهشی
نویسندگان
1 استاد، گروه اقتصاد، دانشکده مدیریت و اقتصاد، واحد علوم و تحقیقات، دانشگاه آزاد اسلامی، تهران، ایران.
2 دانشجوی دکتری گروه اقتصاد، واحد ابهر، دانشگاه آزاد اسلامی، ابهر، ایران
3 اقتصاد، علوم انسانی، آزاد اسلامی ابهر، ابهر، ایران
چکیده
کلیدواژه‌ها
موضوعات
عنوان مقاله [English]
نویسندگان [English]
In order to evaluate the productivity of banks, it is necessary to measure the efficiency of banks. Therefore, in this research, productivity and factors affecting it were investigated in the Tose’e Ta’avon Bank and its selected branches.
Methodology. The marginal cost function approach was used to measure productivity. Also, to investigate the factors affecting productivity in the bank, the autodistribution method with extended intervals (ARDL) and the generalized moments method (GMM) were used in selected branches during the monthly period of 2011-2018.
Findings and Conclusion. Productivity in Tose’e Ta’avon Bank fluctuates a lot. The long-term coefficient estimated for the variable of personnel cost and doubtful receivables is negative and significant, and current facilities, internet bank, mobile bank and POS transaction are also positive and significant. Productivity in branches is different in different years. The effect of the two variables of current facilities and doubtful receivables is meaningless, and the effect of the variables of negative personnel costs and ATM and POS transactions is positive and significant.
Originality. Previous studies have focused on examining productivity in banking; However, few studies have investigated the productivity of the Tose’e Ta’avon Bank and its selected branches.
Limitations: The results of this research are limited to the Tose’e Ta’avon Bank and can be interpreted with caution in the context of other private and public banks.
Practical impilications: The results can help bank managers to find solutions to improve productivity, reduce costs and increase bank profits, and analyze various processes and apply the necessary improvements.
کلیدواژه‌ها [English]
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