استخدام طرق القياس اللامعلمية في تحليل كفاءة المؤسسات المالية : دراسة تحليلية لعينة من المصارف التجارية العراقية باستخدام نموذج DEA

Abstract EN

This study aims to test efficiency of 17 Iraqi commercial banks over a period of five years from 2014 to 2018 using BBC-0 variable volume returns for DEA analysis.

The inputs and outputs of the study were selected according to the arbitration of the decision makers (directors of the branches of banks) in Basra city and on this basis the inputs (capital, deposits) and outputs (Investments, loans) were selected.

This study found that Iraqi commercial banks varied in efficiency in some banks and others achieved efficiency for consecutive years because they took advantage of their inputs well and thus achieved an optimal level of output, resulting in full efficiency over these five years.

Therefore, the study recommends that banks adopt quantitative and qualitative standards to improve the efficiency of production elements, which are one of the most important pillars for improving banking performance, and adopt modern evaluation methods such as the DEA analysis of date method by bank managers and decision makers, and identifying standards that are consistent with the requirements of each bank, and establishing a mechanism through which the process of collecting data periodically, and taking into account the reasons that have become an obstacle between the bank and its efficiency.

And study and analyze these reasons accurately, carefully and objectively, and banks that have not achieved efficiency should not neglect the reference units (banks that have achieved full efficiency) so that they can follow in their footsteps to achieve full efficiency.