Quarterly Studies in Banking Management and Islamic Banking

Income-cost imbalance effects on the productivity of Sepah Bank branches in Tabriz

Document Type : Original Article

Author

Niloofar sadat Hoseini

Sepah Bank

https://doi.org/10.22034/jifb.2024.413387.1516
Abstract
Banks are the most important financial market institutions in the country that can play an effective role in economic development. The main purpose of this study is to estimate the efficiency, effectiveness, and productivity of Sepah Bank branches, located in Tabriz, Iran, using the method of Network Data Envelopment Analysis (NDEA). Another purpose is to investigate the financial imbalance of these branches using the ordinary least squares method. The results of this study indicate that the most efficient branches or the most effective branches are not necessarily in good conditions in terms of productivity. In other words, the efficiency of branches does not necessarily mean their productivity, whereas the most productive bank branches definitely operate at a high level of efficiency and effectiveness. On the other hand, an inverse relationship is revealed to exist between these branches' income-cost imbalance and their productivity.

Keywords

Income-cost imbalance
efficiency
effectiveness
productivity

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