Analysis of Factors Affecting the Absorption of Bank Resources in Eghtesad-e-Novin Bank of Yazd Province

Due to the importance of the banking system and effective macroeconomic situation in each country, banks have undeniable role in the economy of any country. Therefore, careful planning and management system for the banking sector in terms of liquidity and volume of bank deposits and check sources and their impact on the market share of banks is important. The main source of financing is the savings of the people in each community. Banks must choose appropriate strategies for absorbing financial resources. So identifying the factors affecting absorption of bank resources in each bank is necessary. The main goal of this study is determining factors affecting the absorption of bank resources in Eghtesad-e-Novin Bank of Yazd Province. We investigated the effect of seven factors including human capital, marketing, Services, IT, Interest Rate, Customer Satisfaction and Utility on resource absorption in Eghtesad-e-Novin Bank. The data used in this study consist of questionnaire responses. A total of 200 questionnaires were sent out and 103 valid responses were received. In this study regression technique was employed to determine the effect of seven mentioned factors on resource absorption. The results indicated that of these seven mentioned factors, five factors including Services, IT, Interest Rate, Customer Satisfaction and Utility had positive impact on Resource Absorption.

کلیدواژه ها:

Absorption of Resources ، Services ، IT ، Interest Rate ، Customer Satisfaction ، Eghtesad-e-Novin Bank