بررسی عوامل داخلی موثر بر سود آوری شعب بانک ها

Analyzing the Internal Effective Factors on the
Profitability of the Branches of Keshavarzi Bank

Abstract:
In Iran, Money Market (The banks) has got a main role in financial
provision of different economics compare to Asset Market (Stock
Exchange). Therefore, it is important to evaluate the function of banks
in the country economics because they have an important role in the
economic. Profitability is an effective factor in estimating the banks
operation. Effective profitability factors can be divided in Internal
factors (managing by the bank manager) and external factors
(runaway the bank manager). This survey tries to investigate effective
Internal factors on profitability of Kurdistan Agricultural Bank
branches. The Analytical-Descriptive method is used in this survey.
According to the relationship between variables, this survey is in the
kind of integration and regression analysis sub-branch. The statistics
population includes all 42 branches of Kurdistan Agricultural bank
and time domain involves 1387, 1388, and 1389. The necessary data
to test the theories include: Chronbach`s Alpha, T test, integrity
analysis, and regression that are calculated by SPSS software. Here,
the dependent variable ROA (Return on Assets) and independent
variables include: amount of kind of deposit, amount and kind of
loans, Liquidity management, expenses management, credit risk
management, sources and applications diversion, number and
geographical position of branches, number of employees, the
employees` education, the age and record mean of the employees.
Upon the obtained results, some variables like: expenses management,
Liquidity management, and credit risk management compare to other
variables have got a positive and meaningful relationship with strong
profitability variable. Finally, according to maintained results, there
are some operational ways to increase the banks` profitability,
especially agricultural bank.
Key Words: Agricultural Banks; Profitability; Liquidity
Management; Credit Risk Management; Expenses Management;
Kurdistan Province-