Identifying and Prioritizing the Factors Influencing in Absorption of Bank Resources (Case Study: Kar Afarin Bank)

The objective of this study is to identify and prioritize the factors influencing in bank funds’ absorption. Three effective factors on absorption of funds that are examined in this study include: human capital, marketing and services. The statistical society of all managers and assistants of all branches Kar Afarin Bank’s research was equal to 180 people by use of Cochran formula to calculate the sample size which is 123 people. To identify the effective factors in absorption of banking resources and checking of the main assumptions of confirmatory factor analysis and structural equation modeling and sub-hypotheses is used regressions test. Findings on the role of three factors human capital, marketing and service resources confirms absorption the Kar Afarin banks. Also the results show that all indicators related to three factors of banksʹ resources have a significant impact and only two variables was not supported by efficiency and innovation.