REA Press Null REA Press3042-31043042-3104 REA Press https://doi.org/10.48314/apem.v2i3.46 Research Article Uncertainty and risk, Data envelopment analysis network, Productivity, Bank credit business operations. Evaluation of the Impact of Uncertainty and Risk on the Operational Efficiency of the Credit Business of Branches in Different Areas of Tehran in the DEA Dynamic NetworkEvaluation of the Impact of Uncertainty and Risk on the Operational Efficiency of the Credit Business of Branches in Different Areas of Tehran in the DEA Dynamic Network Hamidieh Alireza Department of Industrial Engineering, Payam Noor University, Tehran, Iran. Ramezani Ali Department of Industrial Engineering, Amir-Kabir University, Tehran, Iran. Akhgari Bahareh Department of Industrial Engineering, Payam Noor University, Tehran, Iran. 09 2025 18 09 2025 2 3 © 2025 REA Press 2025

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 Evaluation of the Impact of Uncertainty and Risk on the Operational Efficiency of the Credit Business of Branches in Different Areas of Tehran in the DEA Dynamic Network

There are many uncertainties in the banking system due to economic and political crises. It makes it complicated to check their efficiency. However, banks control part of these crises. In this research, a Data Envelopment Analysis (DEA) network model faced with real conditions is presented. North's operational process has three stages: Cost and assets, deposit, and issuance of facilities. For these three stages, uncertainty and risk for operational efficiency have been investigated. The model presented to evaluate the efficiency of 5 branches of Tehran Bank in a DEA network has been used, and the impact of uncertainty and risk on operational efficiency has been investigated. The validity and accuracy of the model were investigated, and the results show that inefficiency and lack of investment are the causes of reducing operational efficiency to overcome uncertainty and maintain efficiency in the banking industry. Also, by increasing the efficiency of service and investment, it increases the productivity of branches.

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