Evaluating the Performance of Public and Private Banks and Providing Suggestions for Improving the Performance of Them (Case study: Melli, Agriculture, Pasargad and Parsian Bank of Qom)

In this study use the CAMEL model which includes dimensions such as capital adequacy, asset quality, management quality, earning performance and liquidity to evaluate and compare the financial performance of public and private banks. Statistical sample includes Melli and Agriculture bank which are public and Pasargad and Parsian bank which are private. The results show that there is a significant difference between private and public banks in terms of liquidity and earning performance and management quality. In terms of liquidity and earning performance the private banks have better performance but the public banks have better performance in terms of management performance. Also the result of testing the main hypothesis show there is no significant difference in the performance of public and private banks. Although the overall mean suggests the better performance of private banks, but this difference is not significant. So the private banks should try to improve their performance.