ارزيابي عملكرد راهبردي بانك ها

Assessing Strategic Performance of Banks

Banks and financial institutions play an important role in development of any country. Nowadays, due to the considerable number of banks , financial and credit institutions in the country, also according to privatization trend of public banks and transformation of them, their performance evaluation has become very important. The purpose of this article, is presenting a fuzzy multi- criteria decision-making method. In this survey, by using expert views and library research, performance evaluation criteria in financial and non-financial levels for three banks have been found, then by using fuzzy AHP method, criteria were given weight and finally the banks were ranked by using TOPSIS. In according to the achieved outcomes, non-financial outcomes are more important than financial performance. In evaluating financial performance, resource share criterion was the most important and profitability and ROA were placed afterwards. In evaluating non-financial factors pricing was the most important while quality of services and electronic banking were placed next. The results indicate that by merely having good financial performance, improvement in a bank overall performance, could not be expected. In contrast to these results, performance evaluations often take place on the basis of financial and non-financial factors are given less credit in this respect.