Maslow’s Hierarchy of Needs was first introduced by Abraham Maslow in his seminal 1943 paper titled “A Theory of Human Motivation,” which explored the relationship between fundamental human needs and…

This article outlines key strategies and critical factors that contribute to the sustained improvement of profitability at the branch level in banking. Profitability at the branch level can be enhanced…

Bank profitability analysis entails a comprehensive examination of financial data to evaluate revenue generation in relation to expenses. It relies on various performance metrics such as Return on Assets (ROA),…

The profitability of banks in India is shaped by a multitude of factors, ranging from internal bank-specific attributes—such as size, capital adequacy, asset quality, liquidity, and operational efficiency—to broader macroeconomic…

Banks can significantly enhance the efficiency and effectiveness of their branch operations by adopting a combination of technology-driven, process-oriented, and people-focused strategies. The following key areas are critical to improving…

Traditional measures of profitability in the banking sector are fundamental financial ratios and metrics used to evaluate a bank’s capacity to generate earnings. These measures—such as Return on Assets (ROA),…

In banking terminology, profit refers to the financial surplus remaining after all operating expenses, provisions, depreciation, and taxes have been deducted from total revenue. Profitability, on the other hand, is…

In financial analysis, the terms profit and profitability are often used interchangeably, but they refer to distinct concepts that are essential for evaluating a business’s financial health. Profit vs. Profitability…