Prioritization of the Factors Affecting Bank Efficiency Using Combined Data Envelopment Analysis and Analytical Hierarchy Process Methods

Table 1

Indicators of each criterion.

	Management	Financial	Staff	Customers
1	Management information systems	Attraction and optimal allocation of resources	Training and empowerment of human resources	Customer orientation and providing an appropriate image
2	Ability and emphasis on innovation and creativity	Decreased deferred items and increased rate of loans turnovers	Adequate income	Improvement of quality and speed of services
3	Creating an appropriate organizational culture	Promotion of activities in the field of foreign currency and opening of L/C	Participation of all employees	Adjustment of the loans’ rate
4	Leadership style	Electronic banking	Employees’ satisfaction about their dignity and self-actualization	Knowledge, expertise, and personnel accountability
5	Management of attracting key customers and relationship with them	Using new tools of financing and direct investment	Appropriate evaluation system for the staff promotion	To meet new needs of customers
6	Creating an effective and efficient internal control system	Increase in the issuance of bank guarantees	Job security	Increased interest on deposits
7	Risk management	Increased ratio of nonoperating income to nonoperating costs	Desired job characteristics	Suitability of the location, structure, and layout of branches