Bank Banking Performance
Commercial bank is the leading financial institution in granting of loans advances to individuals, business or firms (Malede, 2014). Again this service is the main means of revenue for the bank. Accordingly, to improve commercial bank lending it is better to identify main determinants of its lending. Thus depending on major findings and assessments at its risk and qualitative outcome, we suggest the following points.
Hong Leong Bank can strive to strengthen its asset size, since its asset size determines its ability in new loan disbursement. For example, large asset size allows banks to create new loan and to diversify loan investment which also makes possible to reduce credit risk. Thus, they can strengthen the quality of their loan while
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Therefore, professionalism of employee is the key of banking performance. We believed that Hong Leong Bank has provided its employees high level of professional training such as the ORM, which is associated by the ORMCC. Whereas Public Bank provide in-class training for its employee. Both banks have done very good task in developing the technical skills for their employees. However, we may suggest that the professional bodies within the banking sector currently still in low profile. Based on the Banking Standard Boards of United Kingdom (2016), banks and building societies were unable to give a clear account of their views on the professional bodies. Tellingly, the interviewees from banks and building societies were generally unaware of how many of their employees currently hold a professional qualification, and were only able to provide vague estimates with low confidence that these were accurate. Most reported that their organization did not keep records of these figures, surely an indicator that they are not currently highly valued. Malaysia has similar results, one reason for the low profile of the professional bodies is the fragmentation of the sector and of the qualification market, which makes it difficult for bank and building society staff to understand what is available. Therefore, professional bodies of banking in Malaysia such as Asian Institute of Chartered Bankers (AICB), Chartered Bankers (CB) can raise their awareness through providing sponsorship and education through tertiary students and corporate members. Bank Negara Malaysia had collaborated with AICB in developing a foundation to professionalism in banking for university graduates to enroll in, namely the Financial Sector Training Enhancement Program (FSTEP) in the year 2007. However, it is suggest that AICB can provide more professional qualifications in banking, by targeting the specific interest of
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