THE USE OF DEA TO ASSESS THE FINANCIAL EFFICIENCY OF LARGE U.S. BANKS
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Data envelopment analysis (DEA) was used to analyze the input/output efficiency oflarge U.S. banks in 1987 and 1992. The former was the year that banks belatedly began to acknowledge financially the increasingly severe problems from their loans to less-developed countries, especially in Latin America. For 1987 it was found that the DEA identified efficient ("best practice") banks were in fact financial "bad practice " banks. DEA efficient banks were less profitable in all dimensions than the identified inefficient banks. Loan to foreign borrowers had become suchapervasiveoutputthattheybecameidentifiedasapositive,necessarycomponentofinput/outputefficiency. By 1992, DEA identified "best practice" banks were financial "good practice " banks as well. DEA efficient banks were then more profitable in all dimensions than the identified inefficient banks.
Abstract
Data envelopment analysis (DEA) was used to analyze the input/output efficiency oflarge U.S. banks in 1987 and 1992. The former was the year that banks belatedly began to acknowledge financially the increasingly severe problems from their loans to less-developed countries, especially in Latin America. For 1987 it was found that the DEA identified efficient ("best practice") banks were in fact financial "bad practice " banks. DEA efficient banks were less profitable in all dimensions than the identified inefficient banks. Loan to foreign borrowers had become suchapervasiveoutputthattheybecameidentifiedasapositive,necessarycomponentofinput/outputefficiency. By 1992, DEA identified "best practice" banks were financial "good practice " banks as well. DEA efficient banks were then more profitable in all dimensions than the identified inefficient banks.