چكيده به لاتين
The role of financial systems, the money and capital market, and, consequently, financial and credit institutions, including banks, is very important in economic systems. Given the recent economic downturn, access to a stable and competitive banking system is of great importance for the people, and thus banks have been using performance measurement techniques to reduce their operational costs, improve their performance and identify undesirable factors. However since the evaluation should focus on the strategy of the organization and its goals, banking institutions and other organizations widely apply the Balanced Scorecard (BSC) method to measure performance with translating their strategic objectives into a set of performance measures. But BSC does not specify the relationships between the scorecard criteria, nor does it determine a weighting method for measuring performance. That's why the integration of BSC with network DEA, which is a cross-border efficiency analysis approach and takes into account the cause-and-effect relationship between the four perspectives of the balanced scorecard (financial, customers, internal processes, and learning and growth), can overcome some of the limitations of the BSC, providing the basis for enhanced performance assessment. The proposed model has been demonstrated using an application in assessing efficiency of branches of Khorasan Razavi province, Tose’e Ta’avon Bank.
The results showed that the average performance scores of Branches were 63.71%, among which the branch of Sajjad in Mashhad with the score of 99.99% was ranked first.
