Bank Branches Efficiency: The Caixa de Crédito Agrícola Mútuo da Região de Bragança e Alto Douro Example, Using Data Envelopment Analysis

26 Pages Posted: 18 Sep 2012

See all articles by José Alves

José Alves

Universidade do Porto - Faculdade de Economia (FEP)

Samuel C. A. Pereira

Universidade do Porto - Faculdade de Economia (FEP)

Elisio Brandao

Universidade do Porto - Faculdade de Economia (FEP)

Date Written: September 14, 2012

Abstract

This study analyzes the performance and comparative efficiency between the Caixa de Crédito Agricola Mútuo da Região de Bragança e Alto Douro bank branches, credit cooperative that integrates "Crédito Agrícola Mútuo Integrated System" (SICAM). With the use of Data Envelopment Analysis (DEA), we perform a bidimensional approach, evaluating the efficiency in a transactional perspetive and also for their capacity to generate results.

Considering the increasing role that the automated service channels are taking in the costumer’s relationship, the transactional perspetive has been subdivided into presential and not presential. This study, based on a specific analysis for each efficiency dimensions, in the overall institution and each branches that make up your network, allowed us to gauge the institution performance in production and profitability perspetives. Face to the agency heterogeneity size checked, have been applied constant returns to scale and variable returns to scale approaches, verifying higher scores when considering the effect of each agency production scale.

To consider also the future application possibilities for this methodology, by introducing qualitative variables that relate the metrics now achieved with the service quality provided to internal and external customers and demographic variable of the action areas.

Keywords: Efficiency, Data Envelopment Analysis, Bank Branches

JEL Classification: C61, C67

Suggested Citation

Alves, José and Pereira, Samuel C. A. and Brandão, Elísio Fernando Moreira, Bank Branches Efficiency: The Caixa de Crédito Agrícola Mútuo da Região de Bragança e Alto Douro Example, Using Data Envelopment Analysis (September 14, 2012). Available at SSRN: https://ssrn.com/abstract=2146479 or http://dx.doi.org/10.2139/ssrn.2146479

José Alves (Contact Author)

Universidade do Porto - Faculdade de Economia (FEP) ( email )

Rua Roberto Frias
s/n
Porto, 4200-464
Portugal

Samuel C. A. Pereira

Universidade do Porto - Faculdade de Economia (FEP) ( email )

Porto
Portugal

Elísio Fernando Moreira Brandão

Universidade do Porto - Faculdade de Economia (FEP) ( email )

Rua Roberto Frias
s/n
Porto, 4200-464
Portugal

Do you have a job opening that you would like to promote on SSRN?

Paper statistics

Downloads
141
Abstract Views
850
rank
245,646
PlumX Metrics