The globalization is increasing so it has made efficiency as the most important factor of both financial and non-financial institutions and banking sector as the life of blood the modern trade of commerce. At the end of 1990 public sectors shared almost 90 percent of the total asset in banking sector. A high shares existed for deposits and investments. And when these are build these privatization commission was built in 1991. Normally interest rate is high in an economy.
The banks that we have selected represent 80% of the total assets of the system. Data were extracted from the Bank’s audited Financial Statements and Data cover time span between 2008-2013. We use as a dependent variable the bank’s net interest margin, defined as interest income minus interest expenses divided by total assets, which measures also the cost of financial intermediation. Based on the theory of the determinants of bank interest margins (Maudos and Fernandez de Guevara  for the most recent framework for the bank dealership model), the bank specific variables considered in our estimation are as follows: Efficiency index proxies for the cost of servicing and monitoring transactions, among others, and is measured by the ratio of operating gross to gross income. Less efficient banks, experiencing larger operating costs, tend to require higher margins.
In the absence of a credit bureau, banks generally depend on customer documents like bank statements, business verification, audited financials etc. These in turn depend on market conditions, seasonality of business cycle etc. Further to this, banks depend on skills of its staff that underwrite or source these applications. Since, it is mostly customer and staff oriented, banks tighten their lending policies especially since this is a more dynamic segment as compared to the salaried segment where monthly incomes (depending on the employer) are quite
Equally important, there is no industry to replace them as the key performer in creating our economies multiplier effect. Moreover, I would frame them as an industry that measures their success by ROA and ROE, metrics that is influenced by their ability to buy deposits and sell loans. I could give full SWOT analysis of the banking industry; however I would run out of room. Banks utmost strength is that bank lending has been a significant driver of GDP growth and employment. They are a conduit for social and economic policy.
What is the effect of those factors on employee performance? 1.3 OBJECTIVES OF THE STUDY To evaluate the relationship between job stress and productivity in banking sectors. To evaluate the effect of those factors which cause job stress. 1.4 PURPOSE OF THE STUDY The main purpose of this research is to highlight all possible factors, which cause the job stress, and then apply the same factors in the banking sector to see their outcome. These factors may consist of: Job conflicts with personal interests Work overload Work ambiguity Lack of communication & cooperation Gender inequality Constraints of rules & regulations Job requirements & capabilities mismatch Unrealistic deadlines Inadequate authority Job insecurity Unpleasant environment etc.
Banks are easy to hate, but they remain among the largest and most powerful companies on Earth. (Liyan Chen.2015) Institutions that match up savers and borrowers help ensure that economies function smoothly. (Jeanne Gobat, 2012) Such statements already gives us an idea of how vital a bank is. To better understand the concept of banking, one has to have a knowledge of what is a bank, its origin and how it functions. This has been explained by many writers.
Therefore, commercial banks not only need to be profitable, but also efficient. The reduction in spreading between lending and deposit rates is the basic benefit of enhancing the efficiency. Through the banking system, it will stimulate both greater loan demand for investment and greater recruitment of financial savings (Izah, 2009). The measurement of banking efficiency helps banks to remain competitive, profitable and viable, in an otherwise highly regulated in the banking industry. Das, Nag and Ray (2005) indicate that measurement of banking efficiency serves two important purposes.
Discuss the income opportunities available to international banks and critically evaluate international banks operations in foreign markets to maximize shareholder value. The growth in foreign bank activity and international banking in general has been a major factor of financial system development. This paper will highlight some main characteristics of international banks and then discuss the income opportunities available to international banks. Then the focus is also evaluate international banks operation in foreign markets can maximize shareholder value. 1.
Sustainable development has also become very familiar among the banks concerns (Jeucken, 2001). Many banks will commit themselves to reduce energy consumption by favouring the use of recycling papers, energy saving bulbs and renewable energy. These are examples how banks show concerns about the environment. As per Giddings et al (2002), race and sex representation with regards to air travelling policies for active employees within the institution are not seen as extraordinary anymore. Furthermore, on 29 December 2003, Kofi Annan (the former UN General) stated that most people around the world are not exposed enough to financial services be it savings, insurance or credit and the real challenge here is how to make them participate in this sector.
Commercial Banking The World of banking is changing rapidly and the days of high street branch and local branch manager are passing. Telephone banking, PC access to accounts and other banking services are playing vital role in this contemporary world. The fact that banking figures are important and they are readily available in a large number of countries has not meant that banking conditions as between different countries could be readily compared. In each country, those figures which are available represent samples covering predominantly the larger banks in the larger cities. And here we talk about the Commercial banks which have a greater capacity for varying the aggregate volume of credit than other financial intermediaries.