The efficiency of a banking sector-Case of Togolese Commercial Banks.pdf

1、This study offers to investigate on the efficiency of Togolese Banking sector.The goal is to find if this industry is efficient or not and find the best
　　and the low performers.At this purpose, this study employs DE

2、A model by calculating technical efficiency on constant return to scale and on variable return to scale, and scale efficiency and Malmquist indexes over nine years (2002-2010).Also this study compares some key measures o

3、f Togolese banking industry with the WEAMU's countries one.The results showed that the best performers of this industry are: BIA, BTD,ECOBANK and SIAB, and the low ones are Financial Bank (ex-SNI&FA) UTB and BTCI.Ownersh

4、ip has influence on performance; study found that private Banks and Banks with private majority shareholders are efficient than the public ones.By considering the Togolese banking industry as
　　one we found that from

5、 2002 to 2004; and in 2009 this sector was inefficient
　　and from 2005 to 2008 it was efficient.Indeed, the Malmquist index showed
　　that lately this industry hasn't doing well concerning incorporation of
　　t

6、echnical innovations.With the comparison made using key measurements of banking industry we found that, the Togolese banking industry is far from being apoor performer in the Sub-Saharan zone.Based on our results we sugg

7、ested that
　　Togolese Commercial Banks need to focus more on the technology by promoting the use of credit card cash dispensers...etc.In addition Commercial Banks need to increase the investment in their portfolio an