Abstract Construction is an industry that manages various types of construction, including building, extending, remodeling, reconstructing, and demolishing buildings. There are two major types of construction business: One is public construction, and the other is commercial construction, totaled 391 million dollars. Due to the recession of real estate in recent five years, the demand of the private sector decreases dramatically, which leads to the chain reaction of overall sales decreasing in construction industry in Taiwan. However, the industry still has 255 billions of sales revenues generated from government projects each year as well as hundreds of billion dollars of revenues from high-speed railroad and Kaohsiung subway BOT project. As long as the gross profit reaches 500 million dollars, the profit margin will be above 10 percent. The major source of revenues for a construction company is done through bidding. There is only one winner in the bid. Therefore, to research and evaluate relative performance of each construction company in the bid is an important task. The purpose of this thesis is to evaluation the performance of 12 public construction companies using DEA analysis. The evaluation will focus on areas of liquidity ratios, debt and asset management ratios, profitability ratios, and overall performance of efficiency. Major conclusions from the study are as following: 1. Four financial ratios and overall performance of efficiency were derived from DEA analysis, which eliminate inconsistencies of ratio analysis to make evaluation results more relevant. 2. Among the evaluation criteria, including liquidity, debt and asset management, profitability ratios, evaluations of profitability ratios among firms has the biggest inconsistency, followed by asset management. 3. From the sensitivity analysis, we conclude that companies with stable degrees of efficiency, which means efficiency degrees with small variance, have relatively higher profitability. This indicates the management needs to enhance the overall performance in order to enjoy ample profit. 4. From the study of DEA, we find that DEA analysis pinpoint the slack of each variable to enable decision-makers to see clearly which variables (input or output) need to be increased or decreased. This helps them to plan for the companies¡¦ overall efficiency to be at peak. DEA analysis provides decision-makers insights by relatively comparing the differentiation of statistics. This enables them to make executable strategies. Results of examples in this thesis prove efficiencies for evaluation. The convenience of ratio analysis and the complete perspective offered by DEA analysis are two best advantages of these two evaluation methods.

The adoption of electronic self-service systems (SSTs), using information technology (IT) devices and channels, for the provision of banking services (also known as electronic banking or e-banking) has evolved in the last decade in emerging markets. In Nigeria, for instance, this development is driving the movement towards a cashless economy. These services, however, are fraught with problems ranging from incidents of fraud, empty automated teller machines (ATMs), the inability of the ATMs to dispense cash, and outright service unavailability. Thus, the primary objective of this study is to identify service improvements following current electronic banking service performance measures. Given the dearth of developing country research and appropriate constructs, secondary objectives include the: 1) conceptualisation of e-service using service science principles; 2) description of factors and attributes of electronic banking quality (EBQ) in Nigeria; 3) identification of consumer perceptions of EBQ; 4) proposal of a model of EBQ; and 5) rank and score EBQ performance. A three-step sequential mixed-methods research design is conducted. This consists of a substantial qualitative (QUAL) process that posits EBQ constructs using grounded theory techniques. This is followed by an equally substantial quantitative (QUAN) process that employs survey methods in the formulation of a scale to measure EBQ. The final quantitative (quan) process scores EBQ using survey research methods and intelligent decision system (IDS) analysis. Consumer perception measurements of Nigerian bank customers using the derived dimensions of EBQ - acceptability, accessibility, competence, convenience, reliability, responsiveness, security/privacy, access to support, availability of support, and usability - generated an unimpressive industry performance score of 56%. The thesis concludes that even though Nigerian bank customers are desirous of participating in the cashless economy, issues of cash security and responsiveness are paramount. Service improvement spaces for e-banking operators, centred on rigorous strategic planning initiatives, are identified alongside additional initiatives for bank customers and regulators. In summary, this thesis presents an alternative scale to measure consumer perceptions of EBQ that adds to the existing body of knowledge.

The liberalization, internationalization, securitization and computerization of the financial market in Taiwan is forcing the banking industry to face rapid changes. Furthermore, only the banks which make use of the information technology more efficiently will get the competitive edge and improve her performance through offering a diversity of products and services. The banking industry has used the financial information technology to replace the banking operation procedures conducted conventionally by human. The most important for the banks is how can they supply financial information and offer solutions to meet each client's requirements individually. This can be achieved by enhancing the quality of services by means of call center, electronic, home banking, ATM, etc. This study intends to examine consumer behaviour by using multi-variable statistical analysis with costomer segmentation. Moreover, this study will suggest that the banking industry performance can be improved by changing the bank's operation systems and changing the competitive strategy to focus on individual customer needs. Established over 26 years, United World Chinese Commercial Bank (UWCCB) has a distinguished record of achievement. As at the end of the year of 2000, the bank has more than 70 branches, and the paid-in capital and net worth amounted to NTD 34.10 billion (USD 1.0 billion) and NTD 63.20 billion (USD 2.0 billion) respectively, while its total assets have up to NTD 661.20 billion (USD 20.0 billion), and the number of accountholders has reached 4.20 million which make UWCCB able to become a global bank with sound foundations. Based on these valuable data sources, this study intends to analyse the related contribution by taking into consideration of customer characteristics and individual requirements, then to broaden the operating scale and increase the profit. Furthermore, this study also intends to make some suggestions for the bank able to excerpt more revenues from some groups of clienteles. The appliance of financial information technology has brought more opportunities for the banking industry, not only for the maximum benefit of customers, it also help the banks to perform the function of ¡§money-flow¡¨ in the economy. Keywords¡GBanking Performance, Multivariate Statistical Analysis, Database Marketing, Internet Banking, Information Technology

Cette thèse porte sur l’étude des mécanismes internes de gouvernance bancaire et leurs effets sur le risque de crédit et la performance bancaire. A partir d’un échantillon composé de 13 banques françaises, 13 allemandes et 20 japonaises cotées durant la période 2005 – 2012, nous essayons de détecter l’impact des caractéristiques de gouvernance bancaire, à travers les conseils d’administration et leurs différents comités, en premier lieu sur le risque du crédit, et en deuxième lieu sur la performance bancaire. Nos résultats montrent que les mécanismes internes de gouvernance affectent certes, le niveau des crédits non performants et la performance financière des banques, mais avec des effets plutôt mitigés. Ils révèlent également des divergences entre les banques des pays étudiés. / The study of the internal mechanisms of governance in particular the board of directors and its relationship with the credit risk as well as the performance is the main subject of this thesis. From a sample of 13 French banks, 13 German and 20 Japanese rated during the period 2005 - 2012, we are trying to detect the impact of the characteristics of the Board of Directors and its committees on the credit risk, and on the banking performance. Our results show that the internal mechanisms of governance affect certainly, the level of appropriations non-performing assets and the financial performance of banks, but with mixed effects; they reflect this divergence between countries.

The thesis aims at design and implementation of a corporate performance management system in retail banking. It proposes a tree of performance metrics based on Dupont pyra-mid model. Using financial as well as non-financial measures, the proposed model manages to link all levels of management together into one shared hierarchy. As a result, the model shows how performance of a single worker adds up to the performance of the company as a whole. The model uses financial metrics such as interest margin, account balance, fees and remuneration cost and links them with non-financial measures such as client worker activities with clients, success rate of marketing campaigns, or client complaints. Implementation of the corporate performance management system is done using regular business intelligence tools. Third normal form data warehouse is the source for all data needed. A datamart on Teradata platform is proposed to hold the SQL transformed data from the data warehouse. Using the datamart a metadata layer in Microstrategy is created to distribute data among users.

Cette thèse a pour objet d’analyser la performance des établissements bancaires jordaniens durant la crise mondiale amorcée en 2007-2008. Sous ce thème, nous abordons les questions de la réglementation du système bancaire, de l’asymétrie d'information et du risque de crédit. Une attention particulière est portée à l’analyse de la réglementation issue des différents accords de Bâle, qui a servi de modèle à la régulation du système bancaire jordanien. En effet, non seulement la philosophie de la réglementation bancaire a évolué depuis le premier accord en 1988, mais de plus il existe des interactions entre les dispositifs réglementaires et les problèmes liés à l’information et à la gestion du risque de crédit. A la suite de l'analyse de ces trois facteurs, nous nous tournons vers leur prise en compte dans l'évaluation de la performance bancaire. Nous concentrons notre étude sur la Jordanie, pays dans lequel la structure du marché bancaire a profondément été bouleversée ces dernières années par l’ouverture du marché aux investisseurs internationaux, par l’évolution des normes prudentielles et par les conséquences économiques de la crise financière internationale. Une estimation quantitative du risque de crédit et de la performance est menée, en ayant recours à des méthodes statistiques et économétriques. Les résultats montrent que la dégradation de la performance des banques jordaniennes à partir de 2008 n’est pas due principalement à la réglementation stricte imposée par la banque centrale, mais plutôt à l’autorégulation, caractérisée par un excès de prudence des banques dans leur offre de crédits, particulièrement après avoir connu une période de forte concurrence. / The aim of this thesis is to analyze the performance of Jordanian banks during the recent global crisis that started in 2007-2008. Under this theme, we approach the banking system regulatory issues, the information asymmetry and the credit risk. Special attention is paid to the analysis of the regulations stemming from various Basel agreements, which served as a model for the regulation of the Jordanian banking system. Indeed, not only the philosophy for banking regulation has evolved since the first agreement in 1988, but more interactions have emerged between regulatory systems with information and credit risk management related problems. Following the analysis of these three factors, we will study their role in the evaluation of the banking sector performance. We focus our study on Jordan, a country in which the structure of the banking market has been deeply disturbed in recent years by opening the market to international investors, by changing the prudential standards and the economic consequences of the global financial crisis. Our approach is to conduct a quantitative assessment of credit risk and performance, through the use of statistical and econometric methods. The results show that the degradation in the performance of Jordanian banks starting from 2008 is not mainly the result of the strict regulations implemented by the Central Bank of Jordan, but rather an auto-regulation characterized by the banks excessively cautious attitude to their credit supply, especially after a period of intense competition.

El presente trabajo tiene como objetivo examinar el impacto de los procesos de fusión horizontal en el desempeño de la firma medido por el poder de mercado en el sector financiero peruano. Para ello, se deriva el Índice de Lerner estimando una función de costos translogaritmica y se examina el efecto de las fusiones de las entidades bancarias en dos tipos de periodicidad: efecto de corto plazo y largo plazo. El análisis se realiza mediante datos de panel, a nivel bancario, a través de modelos de efectos fijos, durante el periodo de julio de 2010 a diciembre 2019. Los resultados revelan que las entidades bancarias peruanas que han realizado un proceso de fusión horizontal en el corto plazo han aumentado su desempeño bancario en la industria financiera medido por el Índice de Lerner lo que explica la capacidad de las entidades fusionadas en modificar su comportamiento estratégico por defecto de la reorganización empresarial, el cual genera que incrementen su participación y tamaño en el mercado y puedan ejercer su poder de mercado por defecto de la estrategia. No obstante, el resultado de la contribución del efecto de la fusión en un periodo de largo plazo en el poder de mercado es negativa, lo cual enfatiza la coexistencia de factores asociados a nivel de empresa o por factores externos que dependen de la demanda. / The purpose of this document is to examine the impact of horizontal merger processes on the performance of the firm as measured by market power in the Peruvian financial sector. The Lerner Index is derived by estimating a translogarithmic cost function and the effect of the mergers of banking entities is examined in two types of periodicity: short-term and long-term effect. The analysis is carried out using panel data, at the bank level, through fixed effects models, during the period from July 2010 to December 2019. The results reveal that the Peruvian banking entities that have carried out a horizontal merger process have improved their banking performance in the financial industry measured by the Lerner Index, which explains the ability of the merged entities to modify their strategic behavior in a short term by defect of business reorganization, which causes the bank to increase its participation and size in the market and can exercise its market power by default of the strategy. However, the result of the contribution of the effect of the merger in a long-term period in market power is negative, which emphasizes the coexistence of associated factors at the company level or by external factors that depend on demand. / Trabajo de investigación