Analysis and comparison of factors affecting the absorption of bank resources in Mellat and Parsain banks of Bushehr Province

Abstract

Existence of advanced financial institutes and markets along with application of new approaches is directly related to any country's development level. Under this condition, more absorption of financial resources which influences the absorption of these resources by different banking groups is an issue that attracted the attention of financial and credential institutes. This research analyzes the performance of Mellat and Parsian banks about the absorption of banking resources and factors affecting it. The survey research method was used and the data collection tool was a questionnaire. The statistical population in terms of the spatial and temporal domains, were all customers of Mellat and Parsian banks of Bushehr Province during 2013 in which based on Cochran modified formula with 95% confidence, a sample size of 384 were specified. Of course, in order to prevent predicted errors and limitations, the ample population included 500 people of the active population. They were studied using descriptive statistics and inferential statistics methods. The research results show that, from customer's point of view, there is a significant difference between interest on deposits, loans, facilities, and physical capabilities of banks, allocating bank employees and a variety of banking services in any of the branches of Mellat Bank and branches of Parsian Bank. No significance difference was found in employees' attitudes with customers and the quality of banking services.