Bank branch intermediation efficiency evaluation using data envelopment analysis and non-discretionary variables
Bibliographic record
Abstract
This research examines the intermediation efficiency of the retail branch network of one of Canada's five largest banks using the deposit and loan levels generated by the branches and their levels of bad loans, and at the same time incorporating data on the business environment in which they operate. Three DEA models are proposed, the first aims to maximize loan quality by minimizing the levels of bad loans produced, the second seeks to maximize the levels of deposits and loans generated, while the third also maximizes the level of potential business that could be generated, but with no regard to loan quality. The results obtained from the DEA models are further broken down into market segments and geographical regions. It is concluded from the results that a smaller number of DMUs will generally lead to a higher percentage of efficient DMUs and higher average efficiency scores.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.019 | 0.007 |
| Meta-epidemiology (narrow) | 0.001 | 0.001 |
| Meta-epidemiology (broad) | 0.002 | 0.001 |
| Bibliometrics | 0.005 | 0.013 |
| Science and technology studies | 0.002 | 0.001 |
| Scholarly communication | 0.002 | 0.002 |
| Open science | 0.003 | 0.001 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.003 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".