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ESTIMATION OF BANKING EFFICIENCY IN THE CZECH REPUBLIC: DYNAMIC DATA ENVELOPMENT ANALYSIS

100%
Repková I.
DANUBE: Law and Economics Review
|
2013
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vol. 4
|
issue 4
261-275
EN
This paper estimates the efficiency of Czech commercial banks during the period 2001 to 2011. We applied Dynamic Data Envelopment Analysis (DEA) to data from Czech commercial banks. The DEA measures the relative efficiency of a homogeneous set of decision-making units (DMUs) in their use of multiple inputs to produce multiple outputs. Dynamic Data Envelopment Analysis is a new approach which estimates the performance of a group of DMUs during several periods of time. The results of Dynamic DEA models showed that the average efficiency computed under the assumption of constant returns to scale reached a value of 86.7% and that the average efficiency estimated under the assumption of variable returns to scale was 95.7%. Efficiency slightly increased in the period analysed. The result of scale efficiency found that the main source of inefficiency is the inaccurate size of the biggest banks and also the excess client deposits managed by Czech banks.
2
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The Impact of Credit Risk on Bank Profitability in Nigeria

88%
Onyeiwu C., Ajayi G., Muoneke B. O.
Journal of Banking and Financial Economics
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2020
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issue 1(13)
5-22
EN
This study examines the impact credit risk management has on the profitability of commercial banks in Nigeria. The main objective of this material is to show how credit risk parameters are related to the expected performance of commercial banks in Nigeria. Using the regression analysis, relationship was drawn between credit risk parameters (which include capital adequacy ratio and non-performing loan ratio) and the profitability ratio (return on average asset, in particular) of five big Nigerian banks. Mixed research methodology was adopted in that primary data were sourced via questionnaires and secondary data were used via annual report of selected banks. Regression analysis was used to analyse the data. The conclusion drawn from the data analysis shows that there is a strong relationship between credit risk parameters and returns of the bank implying that credit risk management has a strong impact on the profitability of commercial banks in Nigeria. The study recommends that banks’ capital should be matched with their total risk exposure and if there is an imbalance, new capital requirements are necessary. Insider-related interests in loan applications should be closely monitored by the regulators to ensure continuous performance of the loan facility. Also, there should be an extant profiling of loan defaulters whether individuals or corporate entities.
3
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Issues Related to the Loans Action in the Opinions of the Customers and the Employees of a Commercial Bank – United Bank S. C. in Ethiopia

75%
Borowski P. F., Balcha S. G., Girma M.
Journal of Management and Financial Sciences
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2017
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vol. 27(1)
39-57
EN
The development of the economy in general and the firm’s development in particular depend on easy and unlimited access to financial support. The aim of this research is to investigate the cooperation between United Bank and firms in the loans field. Moreover, research indicates that the strengths and weaknesses of the loan process come from the staff as well as from customers’ point of view. The value of the research is due to the information gained from direct access to real cases from bank activities and from conducted interviews with both sides involved in the loan process. Individual in-depth interviews and questionnaire are the formal mechanisms for gathering sensitive information.
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