قياس كفاءة البنوك التجارية العاملة في فلسطين باستخدام تحليل مغلف البيانات

Abstract EN

This study aims to measure the technical and scale efficiency of the commercial banks that work in Palestine, in order to specify the efficient banks which were capable to use the available inputs to reach the maximum outputs, to specify the inefficient banks which couldn’t achieve outputs more than their available inputs, and to identify the required improvements which the inefficient banks have to apply to reach the perfect relative efficiency.

This study uses the evaluation methodology to measure the efficiency of the commercial banks that work in Palestine and depend on Data Envelopment Analysis (DEA) using the financial data, which is included in the annual reports that were issued by those banks from 2008 to 2017 for the input and output items, which are included in the study model.

This study reached many results where the most important of them are represented in that the majority of the Palestinian commercial banks do not master the synthesis among the elements of the inputs to reach a certain amount of outputs.

The results showed that Arab Bank was the only one that achieved the relative efficiency during the average of the study period, while none of the other banks reached this level in the average of efficiency during the study period.

Finally, the results showed that the number of the foreign banks equals the number of local banks that were able to reach a full relative efficiency in 2017.

This study recommended banks' managers whose banks didn’t achieve the required relative efficiency (inefficient) to examine the reasons that prevent from achieving it in order to determine the weaknesses in the inputs and outputs so they can better exploit the available resources.

In addition to examining the internal working environment of the competing banks, which achieved the relative efficiency.

These banks may represent benchmarking units in their manners of work that can be followed to introduce new working methods to ensure that these banks can reach the relative efficiency.