GOALS DEFINITION FOR BANK AGENCIES PERFORMANCE EVALUATION

ABSTRACT The present article has the objective to verify if the goals attributed to the bank agencies of a Brazilian institution for performance evaluation are defined in accordance with the variables characteristic of business generation capacity. Regarding the performance presented in 2002, analysis of tree groups are done: agencies that systematically surpass their goals; agencies that present performance in accordance with the expected; and agencies that systematically do not reach their goals. These groups are analyzed in set with 12 groupings of agencies with similar characteristics, identified based on the application of Cluster Analysis. The results point out that the goals attributed to the agencies are coherent with the characteristic variables of this cities business generation potencial. However, for the agencies group that surpass their goals systematically, the study discloses that the goals underestimate their cities and agencies business potencial. The article confirms the Cluster technique contribution for goals attribution.

摘要：本文旨在验证某巴西金融机构为其银行分行制定的绩效评估目标，是否与业务生成能力的特征变量相契合。基于2002年的业绩表现，本文将研究对象划分为三类分行：持续超额完成目标的分行、业绩符合预期的分行，以及持续未达目标的分行。本次分析结合了通过聚类分析（Cluster Analysis）识别出的12组特征相似的分行，对上述三类分行进行研究。研究结果显示，分行的设定目标与对应城市的业务生成潜力特征变量具有一致性。但针对持续超额完成目标的分行组，研究表明其设定目标低估了对应城市及分行自身的业务生成潜力。本文证实了聚类技术在目标制定工作中的应用价值。