<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE article PUBLIC "-//NLM//DTD Journal Publishing DTD v2.3 20070202//EN" "journalpublishing.dtd">
<article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" article-type="research-article">
  <front>
    <journal-meta>
      <journal-id journal-id-type="nlm-ta">Rea Press</journal-id>
      <journal-id journal-id-type="publisher-id">Null</journal-id>
      <journal-title>Rea Press</journal-title><issn pub-type="ppub">3042-0210</issn><issn pub-type="epub">3042-0210</issn><publisher>
      	<publisher-name>Rea Press</publisher-name>
      </publisher>
    </journal-meta>
    <article-meta>
      <article-id pub-id-type="doi">https://doi.org/10.22105/aaa.vi.73</article-id>
      <article-categories>
        <subj-group subj-group-type="heading">
          <subject>Research Article</subject>
        </subj-group>
        <subj-group><subject>Monte Carlo simulation, Discriminant analysis, Confidence level, Sensitivity analysis, Bank branch efficiency</subject></subj-group>
      </article-categories>
      <title-group>
        <article-title>Deep Analysis of Financial Indicators Affecting Bank Efficiency Using the Monte Carlo Simulation Technique</article-title><subtitle>Deep Analysis of Financial Indicators Affecting Bank Efficiency Using the Monte Carlo Simulation Technique</subtitle></title-group>
      <contrib-group><contrib contrib-type="author">
	<name name-style="western">
	<surname> Joorbonyan</surname>
		<given-names>Zahra</given-names>
	</name>
	<aff>Department of Management, Faculty of Humanities, University of Guilan, Guilan, Iran.</aff>
	</contrib></contrib-group>		
      <pub-date pub-type="ppub">
        <month>09</month>
        <year>2025</year>
      </pub-date>
      <pub-date pub-type="epub">
        <day>18</day>
        <month>09</month>
        <year>2025</year>
      </pub-date>
      <volume>2</volume>
      <issue>3</issue>
      <permissions>
        <copyright-statement>© 2025 Rea Press</copyright-statement>
        <copyright-year>2025</copyright-year>
        <license license-type="open-access" xlink:href="http://creativecommons.org/licenses/by/2.5/"><p>This is an open-access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.</p></license>
      </permissions>
      <related-article related-article-type="companion" vol="2" page="e235" id="RA1" ext-link-type="pmc">
			<article-title>Deep Analysis of Financial Indicators Affecting Bank Efficiency Using the Monte Carlo Simulation Technique</article-title>
      </related-article>
	  <abstract abstract-type="toc">
		<p>
			In today’s competitive environment, evaluating bank branch performance plays a crucial role in managerial decision-making. Inefficient branches continuously strive to improve their efficiency, while efficient ones seek to maintain their superior positions. Discriminant Analysis is a common classification method in banking, used to predict the status of new branches based on data from existing ones. However, predictions from this method often involve uncertainty. This study introduces a confidence level metric to determine the status of new branches more accurately. Utilizing sensitivity analysis based on Monte Carlo simulation, the impact of various financial indicators on this confidence level is assessed, identifying key indicators that influence the classification of branches as efficient or inefficient. The results reveal that long-term deposits hold significant importance, whereas variables such as number of personnel, overdue receivables, and Qarz al-Hasna deposits have negligible effects on efficiency 
		</p>
		</abstract>
    </article-meta>
  </front>
  <body></body>
  <back>
    <ack>
      <p>Null</p>
    </ack>
  </back>
</article>