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Mesure de la productivité et pratique de benchmarking:Le cas d’un groupe bancaire français

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  • Aude Hubrecht

    () (Université de Bourgogne)

Abstract

(VF)Une meilleure compréhension de la productivité des agences bancaires permet de résoudre des questions stratégiques au niveau du groupe bancaire. Pour évaluer toutes les facettes de la productivité, les mesures utilisées correspondent à de nombreux ratios avec au numérateur les dépôts rémunérés, les crédits aux particuliers ou encore l’épargne financière et au dénominateur le facteur capital, le facteur travail ou encore le nombre de comptes. Nous mesurons la productivité de 1611 agences réparties au sein de 16 groupes bancaires. Environ 30% des agences étudiées sont productive. A partir d’un diagnostic individuel des agences nous proposons un diagnostic « réseau » au niveau du groupe bancaire. Nous discutons les variations de la productivité à l’intérieur de chaque groupe bancaire et également entre chaque groupe bancaire à partir d’une approche DEA (« Data Envelopment Analysis »). Cette approche permet de développer un indicateur synthétique de la productivité et de pratiquer du benchmarking.(VA)An understanding of bank branch productivity allows solving strategic question at the group banking level. Branches productivity measurement has commonly used ratios of outputs such as interest-bearing deposit, personal loans or financial saving, and inputs factors like labour capital or number of accounts to measure different facets of productivity. We measure the productivity of 1611 branches divided in 16 banking group. We find that 30% of these branches are productive. From the individual branches diagnostic we propose a “network” diagnostic at the banking group level. We discuss the productivity variation inside each banking group and from a banking group to another by using a DEA (“Data Envelopment Analysis”) approach. This approach allows to develop a synthetic productivity index and to practice benchmarking.

Suggested Citation

  • Aude Hubrecht, 2006. "Mesure de la productivité et pratique de benchmarking:Le cas d’un groupe bancaire français," Working Papers CREGO 1061101, Université de Bourgogne - CREGO EA7317 Centre de recherches en gestion des organisations.
  • Handle: RePEc:dij:wpfarg:1061101
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    Keywords

    productivité; benchmarking; réseaux d’agences bancaires; productivity; bank branches network;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • M11 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - Production Management

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