Public Bank Analysis

1.0 Defining Banking Industry & 3 Drivers of Change 1.1 Introduction Padmalatha and Paul (2011) stated that a bank is a financial intermediary that accepts deposits and channels those deposits into  add activities, either directly or through capital markets. A bank connects customers with capital deficits to customers with capital surpluses. Banking is generally a  extremely regulated industry, and government restrictions on financial activities by banks nominate varied over age and location (Cotter, 2003). In addition, Fabozzi and Drake (2009) declared that a commercial bank is one of the types of bank in Malaysia and also a type of financial intermediary and a type of bank. Commercial banking is also known as  clientele banking. It is a bank that provides checking accounts, savings accounts, and money market accounts and that accepts time deposits. Figure 1: GDP Growth by providence Activities (at 2000 constant prices); source: (Malaysia productiveness Corporation, 2009). According to the Table 1, on that point are five main industries, which are contributing to the thriftiness of Malaysia, include agricultural, mining, manufacturing, construction and services industries. Additionally, since bank is under the course of study of services industry, the GDP growth for services industry has prominent from 2006 to 2007, from 7.

02% to 10.39%. However, the industry has declined from 2007 to 2008 as well as from 2008 to 2009, from 10.39% to 6.68% and to 2.50%. Therefore, it can be said that the services industry in the decline award in the life cycle. Besides, there is no growth localize but only decline compute. Figure 2: Productivity Level & Growth of the Finance Sector, 2005-2009; source: (Malaysia Productivity Corporation, 2009). By looking at Table 2, the productivity level for pay sector in Malaysia is having a constant growth rate from 2005 (3.86%) to 2006 (4.06%) and to 2007 (4.87%). This showed that the finance sector is very competitive where the players are competing with productivity... If you motive to get a full essay, order it on our website: Orderessay

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