RT - Journal Article T1 - The Effect of Concentration, Merger, and e-banking activity on Efficiency of Iranian Money Marketing JF - JSE YR - 2010 JO - JSE VO - 1 IS - 2 UR - http://jemr.khu.ac.ir/article-1-61-en.html SP - 115 EP - 144 K1 - Efficiency K1 - Money Marketing K1 - Merger K1 - Concentrate K1 - Credit risk K1 - E-banking AB - The main purpose of this paper is to examine the effect of merger, concentration and credit risk on the efficiency of Iranian Banking industry. To measure the efficiency of Iranian banking system, we have used the data of commercial & specialized bank's balance sheets during 2001-2007, and a parametric approach to estimate two empirical models. To estimate efficiency measures and determining main factors affecting the measures, we have used a Logarithmic - Linear form of a random Translog cost function. The results of the first estimated efficiency model show that the average efficiency measure of banking system in Iran is 54% and that the merger of the more inefficient banks within the efficient bank will cause the average efficiency measure rise to 70% The results of the second model - assessing the effecting factors on efficiency- show that the efficiency of banks has an inverse relationship with the concentration (competition in banking industry), and a direct relationship with the IT index (e-banking activity) and the facilities to assets and capital to assets ratios (as the indices of the credit risk). LA eng UL http://jemr.khu.ac.ir/article-1-61-en.html M3 ER -