Branch Network Growth and Banks Performance In (1981-2013) (Published)
Despite significant technological innovation in retail banking services delivery, the number of Nigerian bank branches has grown steadily over time. This paper assesses the implications of these developments by examining the contribution of the branches to banks performance. The study uses the whole banks in Nigeria during the period 1981 and 2013 using a pooled data analysis on ordinary least square(OLS).The variables used include the total number of banks branches in rural and urban area and those domiciled abroad regarded as foreign branches. It also considered the total number of banks at each period and year of study while the growth in Total Asset is proxied as the dependent variable. Our findings showed that there is a positive relationship between the growths of the branches in the rural, urban and foreign centres which implies that there is need to open more branches if the banks wants the Asset to grow. We find no systematic relationship between number of banks and Asset growth perhaps because banking organizations optimize the size of their branch network operations as part of an overall strategy involving both branch-based and non-branch-based activities. The study suggested that branching activities should be a major work and decision of the banks so as to bring more customers to the bank who will now use the various electronic platforms for service installed by the banks.
Keywords: 1981-2013, Bank Branches, Banking, Deposits, Retail Banking, Total Asset
ANALYSIS OF THE IMPACT OF EMOTIONAL INTELLIGENCE ON ORGANISATIONAL PERFORMANCE: A BANKING PERSPECTIVE (Published)
The popularity of emotional intelligence in service marketing is on the ascendency. Its popularity could also be attributed to its potential for business growth. This study seeks to analyse and verify the impact of emotional intelligence on organisational growth in the banking sector of Ghana. The study adopts a quantitative research technique in which hypotheses are tested to verify the relationship between emotional intelligence and organisational growth in terms of return on investment. The study is based on 20 banks in Ghana. Pearson’s correlation test, partial correlation test and ordinary least squares regression analysis were used in testing hypotheses. Findings of this study indicate that emotional intelligence is positively related to organisational performance (p < .05). Emotional intelligence also significantly predicts organisational performance (p < .05) with a variability of 30.6%, while it has a significant moderating effect on the relationship between customer satisfaction and business performance (p < .05). It is recommended that banks formalise and regularise their investments in the acquisition of emotional intelligence skills for maximum organisational performance.
Keywords: Banking, Emotional Intelligence, Organisational Performance, Service delivery