محددات كفاءة القطاع المصرفي الجزائري باستخدام تحليل Tobit خلال الفترة (2010 -2016)‎

الملخص EN

This study aims to measure the efficiency of commercial banks in Algeria during the period from 2010 to 2016, based on a sample of 9 commercial banks using the non-parametric method represented by the DEA, To solve the performance of the study, which is represented in determining the factors that can affect the efficiency of banks using tobit regression.

Accordingly, the study concluded with the following most important results: financial reforms did not enable improving the technical efficiency levels of banks in Algeria because the development of efficiency degrees shows a low trend in efficiency levels resulting from the lack of optimal utilization of resources during the study period.

In addition the indicators of liquidity, profitability, bank size and state ownership showed a positive effect on the efficiency of banks in its three dimensions (TE, PTE and SE), while credit risk showed a negative effect on banking efficiency.