The universal banks in Germany can be divided into three main types of institutions: commercial, public sector and cooperative banks. The hypothesis of the study is that the behaviour of German banks depends on bank-specific variables that affect the institution ’s loan policy. The main determinants considered are solvency and liquidity indicators, which make it possible to observe the risk behaviour of banks before and after the financial crisis. This article explains results of a comparative to test the performance of two top banks in the German banking industry analysis using a financial ratio analysis method. This study discussed the effects of World Bank?s withdrawal and the measures taken by KADP to strengthen itself. Analysis of 19 performance indicators showed that a significant difference exists in KADP?s performance between before and after World Bank?s assistance, with better performance during the period of World Bank?s assistance, 1991?1995. KADP had a high degree of dependency on temporary international assistance. From 2009 to 2013, KADP received 83.1% of its funding from international organizations. From 1991 to 1995, KADP received 72.6% of its funding from the World Bank and International Fund for Agricultural Development. It was found that during World Bank?s assistance, KADP received N2.25 billion, while it received N928.9 million after cessation of the assistance. Data were collected through the use of questionnaire and interviews of 120 farmers and 60 staff members of KADP and through various secondary sources of information. This study evaluated the performance of Kogi State Agricultural Development Programme (KADP) during World Bank?s assistance period (1991 to 1995) and after World Bank?s assistance period (2009 to 2013). The comparison with the results of other studies relating efficiency and competitive pressure, didn´t allow us to infer that the Argentine banking industry experienced in the period a high level of competition. The results show that the mean efficiency of Argentine banks is 0,8277 in the specific period under consideration. The concept of efficiency used here is a relative one, because it considers a Bank´s performance in relation to the behavior of the best players in the industry, being the latter the base of the industry benchmark or frontier. The sources of information were both the BCRA´s web site (and the Buenos Aires Stock Exchange´s web site (It has been selected an efficiency indicator ranging between 0 and 1, meaning the lowest and highest level of efficiency, respectively. In order to build the bank´s indicators, we used a database of 66 institutions, with annual information for the period 2009-2013. For this purpose, panel data of the universe of banks under the supervision of the Central Bank of the Republic of Argentina (BCRA) has been collected. The goal of this paper is to estimate the productive efficiency of Argentine banks.
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