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Data envelopment analysis in efficiency measuring of District Central Cooperative Banks in India: a case study

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  • Mohd. Shamim Ansari
  • Monika
  • Irfan Ali

Abstract

Over time, cooperative banks lost their dominance in agricultural credit which they enjoyed earlier, and presently they are facing many issues such as deposit management, liquidity management, deterioration in asset quality and so on which affect the performance and efficiency of banks. This study will help the policymakers and management to understand the nature and extent of inefficiency in District Central Cooperative Banks (DCCBs). Efficiency is essential for profitable growth of any decision-making units (DMUs), which will ensure value appreciation and survival in the long run. This paper is an attempt to measure the technical efficiency of DCCBs of Uttar Pradesh by applying Charnes, Cooper and Rhodes (CCR) model (Charnes et al., 1978) of data envelopment analysis. For the study purpose, all 50 DCCBs operating in the Uttar Pradesh state of India have been divided into 18 divisions as per the zonal classification of Uttar Pradesh administration. The estimated result shows that two-division are relatively most efficient, while three-division are less efficient. By improving the management of NPA, deposit management, increasing borrowing, loans and advances, less efficient banks can improve their efficiency.

Suggested Citation

  • Mohd. Shamim Ansari & Monika & Irfan Ali, 2023. "Data envelopment analysis in efficiency measuring of District Central Cooperative Banks in India: a case study," International Journal of Operational Research, Inderscience Enterprises Ltd, vol. 47(4), pages 440-460.
    • Handle: RePEc:ids:ijores:v:47:y:2023:i:4:p:440-460
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