extensive set of bank-specific and environmental factors on the efficiency, since the diversions could not only be related to … bank and of the whole sector are measured by a DEA-based Malmquist Productivity Index (DEA-MPI). Second, the effects of …

deposits has grown in recent years. Charge-offs from non-performing loans and other assets continue to weigh on bank profits … doubled in 2009-2010. Despite persistent quality problems with their loan portfolios, flagging profitability, a dramatic … amounts, which refutes the idea that the TARP program had a positive impact on bank lending …

managers, analysts and regulators to analyze the performance of an individual bank, as well as the performance of the banking … sector as a whole. In addition, it can be used by bank managers to set coherent targets for various key financial ratios that … tend to be managed separately within a bank, to achieve a target RoE, RAROC and RoA. We illustrate our performance scheme …