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EXTENDED ABSTRACT INTRODUCTION In the present era, banking is one of the most important sectors of the economy, which has led to the expansion of markets and the growth and prosperity of economies in organizing and directing receipts and payments, facilitating trade and commerce. Banks can play a very constructive role in the economy by equipping savings and allocating them to various businesses. Export Development Bank of Iran, as the only Exim Bank of the country, can increase its efficiency by paying low-cost loans to export companies and providing the required working capital, as well as financing investment projects and development projects to increase export capacity. and their competitiveness in global markets will help a lot.Seven criteria for evaluating firm performance are: effectiveness, efficiency, productivity, quality, profitability and Profitability, quality of working life and creativity and innovation.The amount of output produced by the firm using a certain amount of inputs is called productivity. Thus, improving the level of productivity is the result of producing more output using a fixed amount of input or producing a fixed amount of output using less input. METHODOLOGY The following steps have been taken in the research for fulfilling the research objectives:In the first step, in order to evaluate bank’s performance, the efficiency of various branches was measured using Stochastic Frontier Production Function.  Accordingly, 27 branches with continuous activity during the past three years were selected as sample and their monthly efficiency was estimated. For measuring branches’ efficiency, bank’s expenses were considered as a function of input and output variables and then estimated using Frontier 4 software. finally non-operating and operating incomes, as outputs, and impairment loan, provision of default and branches’ capital, as bank’s inputs, were identified. FINDINGS As mentioned above, econometric estimation of cost function requires selection of function form. the translog function has been used to experimentally estimate cost inefficiency .also, the model was estimated with different inputs and outputs.the model was also estimated with different inputs and outputs. the general form of the function is as follows. TCit is the total cost of ith bank, Qit is output, Pjit is input price, Uit is cost inefficiency and vit is Statistical error with zero mean and constant variance. ln (TC),α, β are unknown parameters that Should be estimated. CONCLUSION Whereas inputs aproved in the above model for estimating branches’ efficiency include branches’ capital, impairment loans and provision of default branches' facilities, six strategies are suggested for improving branches’ efficiency and developing non-oil exports.a)Increasing the bank's capital continuity over time: The capital of the Export Development Bank is an exogenous variable due to the Being governmental bank, and increasing the bank's capital requires direct government support. In order to provide practical support for the country's exports, the government needs to try to expand the financing capacity of the Export Development Bank over time with the bank's capital.b) Although a slight decrease in the exchange rate of the rial against other currencies leads to an increase in the competitiveness of export goods and services,however, this advantage, through the occurrence of high domestic inflation, leads to an increase in the price of export goods and services and reduces the competitiveness of export products globally and against imported products. Therefore, the central bank should strictly avoid applying monetary policies that result in inflation in the economy.. c)The Central Bank is trying to reduce the restrictions of the rules and regulations related to commercial banks in Exim Bank Iran.d)Reduction and merger of loss-making branches that are unable to cover their costs due to the location and conditions of the branch.e)Increasing the productivity of human and physical capital by holding effective training courses and revising the recruitment and employment of manpower in a traditional way and using scientific methods to attract talented, specialized, motivated and interested manpower, etc.f) The government should avoid appointing non-bank managers, especially at the level of the bank's board of directors and CEO, who do not have the necessary banking expertise, knowledge and familiarity with the bank's mission, culture, values and vision.

EXTENDED ABSTRACTINTRODUCTION Human Development Index is a composite one to measure three criteria of longevity, access to knowledge and appropriate level of welfare. Since 2011, education, the combination of mean study years for adults (25 years of age and elder) and expected years of studying, life expectancy and income per capita have been considered as components of Human Development Index. Human Development Index is in fact the geometrical mean of these three indexes. This index is annually calculated for countries by the United Nations but not for their states, provinces, cities and regions. Therefore, researchers themselves must calculate this index for provinces for certain purposes. METHODOLOGYLack of such statistics is also a statistic deficit in Iran that has made regional and provincial researches limited and inaccurate. To remove this deficit in this research Khouzestan Human Development Indexes in the years 1996, 2006, 2011 and 2016 have been calculated using the latest formula. It needs to be mentioned that the simulation of Human Development Index is difficult and time consuming. Not paying attention to details can deviate the index. So in order to ensure the precision of calculations, the Human Development of the country has also been calculated and compared with the same index calculated by the United Nations for Iran in order to ensure the authenticity of Human Development Index in Khouzestan. The applied method was a simultaneous behavioral pattern which considers the changes in Human Development Index through components of the United Nations Human Development Index and also simultaneously predicts and includes it in Human Development Index. The estimation method is based on Stock and Watson (1993) Dynamic least squared method that is helpful for predicting variables. FINDINGSAccording to results, Khouzestan Human Development Index for the period 1990-2019 can be simulated. The related results are presented in table 1. Table 1. Simulation of Khuzestan Human Development IndexFor further investigation of the results of simulation with real data, the results of calculating simulation assessment criteria have been shown in table 2. The results verify the validity of simulation. Table 2. prediction error criteriaAs table 10 shows, Khouzestan Human Development Index had a slow rising trend up until 2005 but from 2006, there seems to be a jump or structural failure in Human Development Index. However, during 2016-2018 the trend reached a plateau and it seems to have reached its stabilized level. Also, based on this simulation Khouzestsan Human Development Index was in an average level up until 2008 but since 2009 it has reached its high. CONCLUSIONTo assess this hypothesis, in this research using the new formula Khouzestan Human Development Indexes for the years 1996, 2006, 2011 and 2016 were calculated. The results showed that the indexes of life expectancy and education in Khouzestan were in a worse situation than that of the country but the index of income (taking oil into account) was more than that of the country. The calculation of Khouzestan Human Development Index without oil showed a worse situation than that of the country.Based on results, Kouzestan Human Development Index reached from an average level in 1996 to a high level during 2006 to 2016. This is an acceptable growth. Also, Khouzestan Human Development Index without oil is lower than that of the national index and this represents the worse status of the province compared to the country.The results of simulating Human Development Index show that up until 1389, there was a slight rising trend but from this year on there has been a jump or failure. Moreover, Khouzestan Human Development Index was in an average level up to 1385 but it has reached a high one since 2010.