Measuring the Technical Efficiency of Commercial Banks in the Democratic Republic of the Congo using the Non - Parametric Data Envelopment Method

The objective of this study is to assess the technical efficiency of commercial banks in the Democratic Republic of Congo; then to look for the explanatory factors of this level of technical efficiency of these banks. We carried out this study on a sample of 7 banks drawn at random from the 15 commercial banks in the DRC. The main hypothesis is: the technical efficiency of commercial banks in the DRC would depend on the optimal combination of endogenous factors (inputs) for any level of outputs. These factors would be moderated by determining factors. The hypothesis adopted for the secondary question is: commercial banks in the DRC would be technically inefficient in transforming their entries. First, the results of our study let us see that on a sample of 7 commercial banks operating in the DRC, 6 banks (TMB, RAWBANK, ACCESS, BGFI, SOFIBANK, and BOA) are technically efficient in the combination of their resources, and BCDC is technically inefficient in combining its resources. Second, based on various statistical tests, the results show us that the technical efficiency of our sample is explained by the labor factor (number of employees), the deposits collected; basic equity and operating expenses.