خلاصه ماشینی:
"Gonzalez in 2005 in an article titled "Bank regulation and risk regarding causative factors: an international comparison of bank risk" considering the number of bank branches and number of personnel as input, and investments and volume of deposits as output, efficiency of banks was obtained with influencing credit risk and total risk variables using DEA model, and accordingly ranked the banks.
Pasiouras in 2008 in an article entitled "Estimating technical and scale efficiency of Greek commercial banks: the impact of credit risk, off-balance sheet activities, and international operations" by taking into account variables and indicators that explain banking risks such as default loans as input variables in the DEA, tried to explain the correlation between risk and efficiency in banking industry and found a significant correlation between these two categories.
Sun and Chang in 2010, during a relatively comprehensive survey in an article titled "Comprehensive analysis of the effects of risk on bank performance: evidence from emerging countries in Asia," studied the correlation between operational, credit and markets risk of banks in Thailand and performance of sample bank branches; evaluated the performance of branched using DEA and SFA methods and resulted a significant correlation between risk and performance.
The results from model estimation and other calculations and tests indicate that: 1- t-statistic and its associated probability (Prob) indicate significant correlations between variables of granted facilities to assets ratio, deferred demands to facilities ratio, capital adequacy with 95% confidence level (because t-statistics is higher than 96/1)."