商业私营银行财务业绩的关键成功因素:对一个发展中国家的研究

K. M. Anwarul Islam, Mohammad Bin Amin, Sk Alamgir Hossain, Roushanara Islam, Jozsef Popp
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摘要

本研究旨在探讨员工创新能力、变革意愿、员工创造力和学习能力对孟加拉国私营银行财务业绩的影响。研究涉及孟加拉国三家著名私人银行的 334 名银行员工。这些银行被中央银行选为评级较好的银行,并在全国各地设有多家分行。首先,就本研究联系了分行经理,并从各分行咨询台收集了员工的电子邮件。然后,向所选银行分行的每位员工发送电子邮件邀请。本研究涉及分行经理、高级职员、职员和初级银行行政人员。以往的研究也考虑了高级和初级银行职员,因为他们直接影响银行的业绩。本研究采用了一种方法问卷来评估三个自变量:员工创新能力、变革意愿和学习能力。本研究的因变量是财务业绩,通过三年内的盈利能力和销售增长等关键财务指标进行评估。本研究使用 SPSS 进行假设检验,并考虑了 95% 的置信区间。相关性结果表明,所有三个自变量都与银行的财务绩效有明显的相关性。研究的回归结果表明,银行员工的变革准备度(β 值 = 0.393)会对银行的财务绩效产生重大影响,其次是员工的创新能力(β 值 = 0.338)。另一方面,员工的学习能力(β 值 = 0.202)对财务绩效的影响最小。此外,三个自变量解释了银行财务绩效 42.9% 的方差。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Critical success factors of the financial performance of commercial private banks: A study in a developing nation
This study’s objective is to examine the impact of employee innovativeness, readiness to change, employee creativity, and learning capability on the financial performance of private banks in Bangladesh. The study involved 334 bank employees from three prominent private banks in Bangladesh. Those banks were selected with better ratings by the central bank and have several branches across the country. First, branch managers were contacted about this study and collected employee emails from each branch information desk. Then, email invitations were sent to each employee of the selected bank branches. This study involved branch managers, senior officers, officers, and junior bank executives. Past studies also considered senior and junior bank officers as they directly contribute to a bank’s performance. The study utilized a methodical questionnaire to assess the three independent variables: employee innovativeness, readiness to change, and learning capability. The dependent variable in this study was financial performance, which was assessed through key financial indicators such as profitability and sales growth over three years. SPSS was utilized to conduct hypothesis testing by considering 95% confidence interval. Correlation results show that all three independent variables were significantly correlated with the bank’s financial performance. The study’s regression results suggest that bank employees’ readiness to change (β value = 0.393) significantly impacts the bank’s financial performance, followed by employee innovativeness (β value = 0.338). On the other hand, employees’ learning capability (β value = 0.202) has the least significant impact on financial performance. Moreover, three independent variables explain 42.9% variance in bank financial performance.
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