Korea Productivity Association


pISSN: 1225-3553

생산성논집, Vol.35 no.3 (2021)

DOI : 10.15843/kpapr.35.3.2021.9.87

은행의 점포 효율성 분석과 활용에 관한 연구 : 중소기업은행을 중심으로


(고양시정연구원 연구위원)


(IBK 노동정책연구소 연구소장)


(울산대학교 경영학부 부교수)

The business environment of Korean banks is getting worse due to falling net interest margins, a decrease non-interest profits due to stricter financial regulations, and the entry of fin-tech companies with convenience in IT. Changes in the business environment caused by digital innovation are calling for changes in revenue models based on existing banks' branches. In other words, management strategies are needed to increase the efficiency of branches by classifying tasks that can be converted to digital and reorganizing and strengthening the back office's business capabilities in the long term. This study aims to present academic and practical implications for tasks that should be more focused on sales branches through efficiency analysis by ‘Industrial bank of Korea’ branches. This study measured efficiency of 543 bank branches from 2017 to 2019 using SFA methodology and investigated the relationship with operating variables by major bank branches. Few studies have been conducted on the efficiency analysis of individual banks' branches due to the difficulty of collecting and accessing data by bank branches and the lack of prior understanding of internal operational processes. Therefore, this study first analyzed the efficiency measurement and results of each bank branch. The results can be summarized as follows: First, efficiency measurements using SFA, it was found that the average efficiency has been increasing despite the decrease in average operating profit since 2017. If the performance evaluation is simply made by average operating profit per branch, the internal efficiency improvement may not be considered, which can lead to complaints and problems with personnel and performance assessment. Second, efficiency using SFA was analyzed to have a negative relationship in relation to working hours. These results mean that longer working hours do not increase the efficiency of branch. Third, efficiency showed a positive relationship between corporate credit and foreign exchange. On the other hand, personal credit work was not at a significant level. These mean that the proportion of individual financial services that take a relatively long time to work can be reduced by online, and the efficiency of branch operations can be increased when focusing on corporate credit and foreign exchange work.

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