Banking Sector Performance Analysis

This assignment delves into the performance of the banking sector. It examines factors influencing bank performance, such as modern technology, regulatory policies, and capital allocation strategies. The analysis also considers the role of banks in financial systems, credit creation, GDP impact, and their overall influence on Malaysia's economy.

RESEARCH METHODS

Table of Contents
RESEARCH TITLE.........................................................................................................................4
1) INTRODUCTION.......................................................................................................................4
(1.0) Background....................................................................................................................4
(1.1) Problem statement..........................................................................................................5
Study Gap...............................................................................................................................6
(1.2) Research objectives........................................................................................................6
(1.3) Significance of Research...............................................................................................6
Rationale of the research........................................................................................................7
TASK 2 (LITERATURE REVIEW)...............................................................................................7
To determine the significance of economic value in the banking sector..............................7
To ascertain the impact of economic condition on banking sector........................................8
To identify the factor that might affect the working of finance and banking sector..............9
To assess the factors affecting working of finance and banking sector...............................10
Ascertaining the relationship between economic condition and growth..............................11
Influence of inflation and recession on financial and banking sector of Malaysia..............12
Different techniques to measure financial and economic condition of the country.............13
To evaluate relationship between the economic condition and growth of Malayan bank.. .13
TASK 3 (RESEARCH METHODOLOGY).................................................................................14
3.1 Research framework.......................................................................................................14
3.2 Research Hypothesis......................................................................................................14
RESEARCH METHODS..............................................................................................................14
3.3 Research design..............................................................................................................14
(3.3.1) Research philosophy.................................................................................................15
(3.3.2) Research Approach...................................................................................................16
(3.3.3) Research Strategy.....................................................................................................17
(3.3.4) Research choice........................................................................................................18
3.3.5 Type of investigation...................................................................................................18
(3.3.6) Time Horizons..........................................................................................................19
(3.3.7) Data collection..........................................................................................................19
(3.3.7) Data analysis techniques...........................................................................................20

3.4 Research Ethics..............................................................................................................20
3.5 Research plan..................................................................................................................20
REFERENCE.................................................................................................................................21
APPENDIX......................................................................................................................................2
Questionnaire..........................................................................................................................2
Statistical tools......................................................................................................................11
Normality test.................................................................................................................................11

RESEARCH TITLE
“To analyse the impact of economic condition on growth of finance and banking sector of
Malaysia: A case study on Malayan Bank.”
1) INTRODUCTION
(1.0) Background
Malayan bank is public sector organisation of Malaysia which provides securities on
deposited fund and financial aid through loan and advances to public globally. It is wide spread,
and trust worthy entity in all over the world whose revenue is RM21.24 billion in 2015.
However, there are so many evolutions identified in its banking system that win maximum
satisfaction from public and reliability on its operations. In this regard, there is around 45000
bankers perform job across country as well internationally also remains able to increasing in
financial services through net banking, mobile banking etc. Including this, management system
of Malayan bank is quite easy and understanding that provide effective comfort ability with its
facilities as well social welfare. Along with this, it uses CSR implementations for customer
dealing and enhancing market value by setting interest rates on loan facilities in accordance to
people's standard and their social lives. Therefore, in present time, this bank is providing
financial services on large scale to a million customers over the globe. In addition to this, there
are very huge importance of the banking sector in the world by which customer and society can
get their financial transaction. Economic condition of the country can directly impact the growth
of finance and banking sector in the Malaysia.
In the present research study, the scholar have major aim is to analyse the impact of
economic condition on the growth of finance and banking sector of Malaysia with respect of the
Malayan bank. Economic condition of the country direct affect every sectors like finance, bank,
retail, hospitality etc. If country have effective economic condition then it because easy to grow
the business enterprise. On the other hand, if within the country there is ineffective economic
condition then it becomes difficult to survive the business. In the context of banking and finance
sector, economic condition of the country plays a very crucial role in its growth and progress. If
country have well condition of economy then it becomes easy to improve banking performance.
On the other hand if country's economic condition is weak then banking sector directly influence.
Thus, in the present research study investigator have used various methods of the research
methodology by which they can obtain an appropriate solution of the research issue. In addition

to this, in this research study, scholar have focused on the literature review under which various
themes has prepared related to the topic. Moreover, several recommendations are justified for
effective financial and banking services in wide range. Besides this, different research methods
and variables are introduced for financial development and analysing organisation's role in
country's effectiveness is introduced. The major objective of this research study is to understand
the importance of economic value in the growth and development of banking sector. With help
of this study, scholar can bale to understand the various factor which affect the banking activities
ad functions in the country.
Malayan bank is a public-sector organization which is functioning in Malaysia since June
1996. Its main objective is to provide quality banking services to its customers. Flexible
assistance is provided based upon financial needs of the client. Loan assistance and financial
aiding is another core objective of Malayan Bank in Malaysia (Impact of a banking crisis, 2017).
The present research has aim to analyse the impact of economic condition on growth of
finance and banking sector of Malaysia by making a comprehensive assessment of Malayan
Bank. There is a significant and direct impact of prevailing economic conditions of the country
on banking and financial sector. Thereby, the research will help in understanding various aspects
of economy so that appropriate solution can be attained to the issue specified in research aim.
(1.1) Problem statement
In the environment, economic factor is one of the component which can change very
frequent basis. In this component includes financial condition of the country, interest rate,
inflation, recession etc. The major issue in this present research study is related to changing
economic condition of the country which directly affect the growth and progress of the banking
and finance sector. In addition to this, there are also several issues in the economic condition of
Malaysia like regular changes in government policies for reserving fund as well securities and
setting interest rates, Issues in increasing in NPA affects revenue and profitability of Malayan
bank for further operations. Another major issue related to the Cut throat competition and
potential to contribute in nation's economic growth. Thus, it can be said that there are several
issue related to the growth and progress of banking sector due to the economic condition of the
country. Due to changes in government policies as rates in CRR, SLR, repo and reverse repo rate
affect interest rates and market structure for providing banking sector. Thus, it can be said that
progress and growth of the banking sector is directly related to the economic condition of the

country. Thus, in order to understand the various issue of the banking sector and impact of the
economic condition on the growth of banking, scholar has used various methods of the research
methodology. As per the research it has been founded that in the 2015 the population of the
Malaysia is 31.2 and it increased in 2016 by 31.7.The rate of GDP was in 2015 was 298 and it
has increased 300 in the 2016.Thus, from this data it can be said that economy of Malaysia is
continuously changed and its directly impact on the banking sector. It fiscal balance and public
debt has also increased by 3.1 to 3.5 in the 2016.
Study Gap
In the present study, the major aim is to analyse the impact of economic condition on the growth
of finance and banking sector in the Malaysia. In the previous study, only impact of the
economic condition on the banking sector growth has addressed while in the new terms, scholar
have used various methods of the research methodology for obtain an appropriate solution of the
research problem. In the previous study there is not accurate statistical data about the economic
condition of the Malaysia. The major reason for conduct this investigation is to analyse the
impact of economic condition of the banking sector in the Malaysia.
(1.2) Research objectives
In the present study, scholar have main aim is to analyse the impact of economic
condition on the growth of the finance and banking sector of Malaysia with respect of Malayan
bank. In order to attain this aim, scholar required to attain various objectives which are as
follows-
 To analyse the importance of economy in the banking sector
 To identify the factor which affect the economic condition in the Malaysia
 To evaluate relationship between economic conditions and growth of Malayan Bank
(1.3) Significance of Research
In the present study, the major aim is to analyse the impact of economic condition on the
growth of finance and banking sector in the Malaysia. In order to attain this aim, scholar have to
address various objectives such as determine significance of economic value in baking sector,
identify components which affect working of finance and banking sector in the Malaysia and
evaluate the relationship between the economic condition and growth of the Malaysia. However,
various issues obtained for finance and banking services evolving credit risk, market instability,

economic slowdown etc (Fiegen, 2010). In addition to this, the report is able to explain research
frame including hypothesis for further operations. In addition to this, tools for conducting
research and collecting data are understood for analysing actual position of banking system and
its management critically. Along with this, collected data is presented and determined by using
statistical tools such as reliability and normative tests proceed to prepare strategy for further
operations and enhancing economic position of bank systematically. Thus, it can be said that the
present research study provide detail understanding about the various issue in the banking sector
and impact of economic condition on the banking sector. This report provides effective
understanding about the significance of economic value in the banking sector. With help of this
study, stakeholder of the company can also able to identify the beneficial point from the country
economy. The decision maker can also beneficial by this investigation because they able to know
that how they should take the decision by analysing the economic condition of the country. With
help of this investigation, decision maker can able to take decision about investment in the
company. With help of this study, researcher can easily analyse the relationship between the
banking sector and economic condition. They can understand that how economic condition affect
the banking function and activities.
Rationale of the research
It is important that the research that is going to be conducted by the researcher holds some
relevance. Every study must have the potential to serve some specific purpose. The study aims at
analysing the impact of economic condition on growth of finance and banking sector of
Malaysia. The research has helped the scholar to gather knowledge regarding the subject matter.
Since, the researcher does not hold adequate amount of knowledge regarding various economic
conditions prevailing in the banking and finance sector of Malaysia. The research will help in
gathering that information.
TASK 2 (LITERATURE REVIEW)
To determine the significance of economic value in the banking sector
As per the view of Gale and et.al., (2013) in the business environment, there are various
components consist with it. Each factor plays a very crucial role in improving and growing the
business enterprise. In this manner, economic factor is one of the component which affect
directly and indirectly affect business firm. Economic factor consist with various things like
inflation, recession, interest rate, pricing policies etc. Economic growth is one of the ultimate

goal of any economic system. Country's economic condition plays a very crucial role as by
which every sector like hospitality, banking, travel and tourism affected. If country's economic
condition is good and effective then it directly positively affect the progress and growth of the
business sector. On the other hand if country's economic condition is ineffective then it will
negatively affect the growth and progress of the business sector. In the opinion of (Andrews and
Hampel, (2015) in the context of bank, economic value plays a very crucial role because while
country have effective economic condition then bank performance can automatically improve.
Financial recession and inflation can direct affect the growth of bank. There is a huge importance
of the economy in the banking sector because the growth and development of bank is largely
depends upon the country's economic condition. If the economic condition of the country is good
then public can more invest and involve in the banking services. Economic condition reflects the
entire progress, inflation, recession of the country.
To ascertain the impact of economic condition on banking sector
According to Usman and Khan (2012), prevailing economic factors play vital role in
growth and development of banking sector. There is a direct relationship between the two. An
increase in economy will also increase and develop banking sector of a country. There are higher
chances of large amount of Non-Performing Assets (NPA) due to deteriorating economic
condition of the country. It shows that there is less amount of cash in the hands of businesses
which thereby increases the chances of defaulters from the people who have taken loan from the
bank. Further, it also becomes difficult for the bank to maintain inflow and outflow of cash
within the organization. However, in contrast to this, as per the views of Joshi and et.al. (2013),
a bank tends to generate income by lending money at a higher rate of interest from the one which
is provided by it on deposits. A severe and prolonged bad economic condition leads to high rates
in bankruptcy higher NPA results in less profits to the organization. The economic condition of
the country exerts strong pressure on risk and profitability of the bank. The main element of any
bank in to operate with different strategies and keep on adapting the change that is occurring in
the economy. Otherwise, the survival of bank becomes difficult in the market. It also reduces the
risk of failure in the market and also helps in increasing the profitability. Failure of bank then
reduces credit availability in the market which leads the market to less profitable then before.
According to Panneerselvam (2014), prevailing economic conditions of the country can
upgrade or degrade present banking sector in the economy. The core functions of the banks can

be divided in primary and secondary. Primary functions of the bank include, accepting deposits
and granting loans. However, secondary functions of the banks are, agency and utility functions
such as, fund transfer, periodic collection and payments, collection and deposition of cheques,
managing portfolios. Certain facilities are also provided to the people in the form of locker,
underwriting, drafts etc. To serve these functions properly, a bank must be able to manage its
credit and liquidity risk properly. Any change in the economic functions can reduce or increase
the loan advancing power of people in the market. Moreover, change in the power can directly
impact paying off capabilities of the people who have taken loan from the bank. However, in
contrast to this, asper the views of Sufian and Habibullah (2012) a healthy economic condition in
the country helps in adequately delivering its functions to the people and attaining the profit
objectives as well. It is important for the bank to measure their risk appropriately so that the
harm from the same can be reduced to minimum. Further, dynamic economy can will not be able
to affect the profitability of the bank.
To identify the factor that might affect the working of finance and banking sector
According to the view of Speight and et.al., (2016) inflation rate is one of the factor
which affect the bank working and its performance. This affect the value of currency and this can
huge affect the banking sector. In addition to this, liquidity structure and processes inflation
causes instability in currencies. On the contradicting view O'Leary, (2013) stated that exchange
rate across the world also largely affect the banks all over the globe. While the rate of exchange
for the currencies decrease then banking sector may face the major problem in its working. In
the opinion of Ricciardi and et,al,, (2015) stated that income of the country and its economic
level can also affect the banking sector. Income flow in a country affect banks in terms of the
amount of capital. In the opinion of Huang and et.al., (2013) laws and regulation of the country
can also affect the working and performance of the bank. In every country there are various
rules, regulation, code of conduct, legislation which follow the bank in order to process its
activities and functions. In order to survive the banking function, bank have to follow all
legislation, regulation and code of conduct. While government change any policies, practices,
code of conduct and legislation then it directly affects the banking process. Thus, it can be said
that governmental rules, regulation, legislation is one of the major factor which affect the
working of finance and banking sector. The income of the country and its economic level always
affect the banking sector. Income flows in a country affect banks in terms of the amount of

capital they can access and customer that are ready to bank with them. In addition to this,
economic policies, macroeconomic policies can have far reaching influence on the banking
sector. While in the country there may develop unfavourable policies then the banking sector is
bound to lose on the other hand while in the country there may effective macroeconomic policies
then country's bank can able to grow. Thus, from the entire discussion it can be said that there are
various kinds of the components which can affect the growth and development of banking sector.
These factor includes inflation rate, economic policies, exchange rates, law and regulation.
Income of the country etc.
To assess the factors affecting working of finance and banking sector
According to Sufian and Shah Habibullah (2013), there are various internal and external
factors that can directly impact working of finance and banking sector. Some of the internal
factors include, earnings and reserve of the bank that has been gathered by the bank or any other
financial institution. It helps in coping up with the working capital requirement of the entity
which further assist in its smooth functioning. Other internal factor that has direct impact is the
interest rates that has been decided by the bank so as to extend loan to the customers. However,
the important external factors that affect the functioning of financial institutions and banks are as
follows;
 Income of the country and it economic level: Fluctuating income level of the country
can have direct impact on the functioning of banking sector and financial institutions. It
is considered as one of the most important sector of the economy and hence a
regulation on it from the side of government is important for smooth functioning.
 Inflation rates: A high rate of inflation is the duration when the banks suffer the most.
The reason is that it has significant impact on the value of currency of the country and
hence affect banking sector. Instability in the currency causes liquidity issues. The
confidence of client is affected specially the foreign investors who are liable to assess
the requirement of particular currency.
 Economic policies: There are certain economic policies that can affect the environment
of the bank. Further, it also has significant impact on growth of the bank as well.
However, there are certain policies that can also promote growth in the banks as well.
 Exchange rates in the world: Prevailing interest rates in the world can also affect the
functioning of the banks. Effect of some strong currencies such as, US Dollar, Japanese

Yen, European Euro, British Pound and Canadian Dollar, have direct impact on the
currency exchange rate of all around the world which certainly affect banks
functioning. A drop in these currency increases the problems for banking sector.
 Laws and regulatory framework: Each country designs its own regulations and
policies for banks and financial institutions in order to guide, supervise and monitor
their roles. It plays an important role in taking key decisions such as, interest rates,
banking services, rules for loans and even the small aspects of working hours of
banking sector. A change in regulatory framework of the country can also affect
profits of bank.
However, in contrast to this, as per the views of Husna and Rahman (2012), it is important
for the companies to have risk assessment and management plan so that as and when the risks
arise in the market, plan of action can be implemented on the banks and financial institutions.
Ascertaining the relationship between economic condition and growth
According to Ariffin (2012), economic growth refers to outward shift in Production
Possibility Curve (PPC) which is considered as an alternative way to define the output being
gathered from the country in the form of Gross Domestic Product (GDP). It also helps in
increasing the production of the country as well. Higher the GDP of the country, higher will be
the growth. It has direct impact on different sectors of the country as well such as, financial
aspects, foreign direct investment etc. A major turn is taken by financial institutions and banks.
The relationship between the two terms, that is, economic development and economic growth is
positive. However, economic growth is a narrow concept in comparison to that of economic
development. It helps in increasing the real level output of the country by offering quality
resources to the citizens of the nation. The common method of measuring the growth is with the
help of GDP. In case of economic growth, it is a inflation adjusted market value of goods and
services being offered to the market. However, in contrast to this, as per the views of Usman and
Khan (2012), Banks have direct impact of economic growth and development of the country. A
significant amount of increase of decrease in demand of loan has been noticed which reduces the
profitability of the banks. Further, decrease in purchasing power of the people in Malaysia can
also reduce the affect growth of banking sector in the economy.
According to Kyzy, Thim and Choong (2012), the principal objectives of banks and
financial institution functioning in Malaysia is to promote financial and monetary stability in the

market so that Malaysian economy can experience sustainable growth. A significant role is
played by banks to instigate progress and growth in financial sector of the nation. It helps in
preserving core foundation of the country and has immediate contribution towards growth and
development. Inclusive and sustainable growth in this sector can be initiated only if the policies
of this sector are constantly changes as per the changing economic conditions of the world. The
performance of the bank is important to be improved otherwise it can have direct impact on the
overall growth of the economy. However, in contrast to this, as per the views of Cooray (2012),
an ineffective economy can have negative influences on the outcome of the country and its
sectors. The majorly affected sector in this case is finance and it is important to have adequate
amount of policies with this regard in the bank and from the side of government as well.
Influence of inflation and recession on financial and banking sector of Malaysia
According to Laeven and Valencia (2013), a sustained increase in the price levels of goods
and services which consequently decrease the purchasing power of the customers. The attempt of
central bank is to limit inflation so that the economy can be run smoothly. Some of the common
impact of inflation which directly affects banking and financial sector of the country are as
follows:
 Decreases purchasing power: The first and foremost impact of inflation is that it
decreases the purchasing power of currency. It results in rise in the prices in the
economy. It is important for the banks to effectively divide their resources at this
duration. However, there is an inverse relationship. A rise in inflation results have
reduced impact on lending activities of the bank.
 Causes more inflation: People find this time to decline their investment and spending
which causes more inflation in the market. People tend to hold their money for future.
It leads to depreciation in the currency. In other words, the supply of money exceeds
the demand in the market for cash. It leads to falling of purchasing power of currency
at faster pace than usual.
 Rise in cost of borrowing: The cost of borrowing gets increased as the interest rates are
elevated by the central bank with the aim to control inflation in the financial market.
An inflation rate is chosen and policies are framed to maintain that target. To serve this
purpose, central bank keeps increasing or decreasing the interest rate so as to reduce
the level of money in the market.

However, in contrast to this, as per the views of Joshi and et.al. (2013), banks are one of
the major institution that can help in reduction of inflation and recession at the market place.
Deciding interest rates can help in controlling inflation or recession position in the market.
Assessment and control of money supply is the major influencing factor of level of money at
the market place.
Different techniques to measure financial and economic condition of the country
According to Allen, Bali and Tang (2012), it is important for the country to measure its
financial and economic growth time to time. It helps in making appropriate policies for the
company which can further help the nation to grow. The economists use several methods to track
economic growth. The most common metric that is used to perform this function in Gross
Domestic Product (GDP) of the country. It helps in measuring the growth with the help of
monetary expenditure. GDP in the combination of outputs from all the industries and based on
which total production is received. Higher the GDP of the country, higher will be the growth as
well. In other words, economic growth is required to measure the relationship between total input
of resources and total economic output. Per capita income is another factor that is used by the
economists of the country where average income earned per person is calculated. Higher the
income better it will be for the economy and its growth. However, in contrast to this, as per the
views of Dembiermont, Drehmann and Muksakunratana (2013), Interest rates offered by the
banks on loan and deposit is another important factor to measure the financial and economic
condition of the country. It helps in assessing the condition of inflation and recession as well.
This measure also helps in identifying the risk and involve in decision making at a very initial
phase of risk. Moreover, it is important to make an assessment of personal disposable income of
people in the country. It helps in ascertaining that how much income is present in the hands of
people to spend which ultimately determines the type of lifestyle being led by people in the
country.
To evaluate relationship between the economic condition and growth of Malayan bank
In the opinion of Landt and Melville, (2013) while the economic condition strong in the
country then it directly positivity affect the performance and working of the bank. In the
economic condition, various terms are included such as recession, inflation, interest rate etc.
while inflation is high then bank tends to suffer. While economic condition of the country is well
and effective then automatically bank performance can improve. There is a direct relationship

between the economic condition and growth of the bank. If country's economic condition is good
then bank will positively influence. On the other hand if economic condition is ineffective then
banking functions and activities will negatively influence.
TASK 3 (RESEARCH METHODOLOGY)
3.1 Research framework
Dependent variables: Growth of the finance and baking sector
Independent variable: Economic condition
3.2 Research Hypothesis
 Null Hypothesis
 Alternative Hypothesis
Two types of hypothesis will be used, that are, Null and Alternative. Hence, both will be
framed inn conducting the present research (Panneerselvam, 2014).
RESEARCH METHODS
3.3 Research design
For conducting research and framing structure, several designs are used like; descriptive,
experimental and correlation. However, all these designs and structures can express as:
Descriptive design: In this approach, both positive and negative factors are involved in data
collection that generates varieties of ideas for further business operations and enhancing its
efficiency
Experimental design: This research design is appropriate for fact findings and research on
searched things. In this regard, with help of this method, analyse the impact of economic
condition on the growth of banking sector can easily address.
Correction: In this research approach, relation between two or more variables is created through
which further strategies are prepared. For instance, in order to identify the relationship between
economic condition and growth of the banking sector (Flick, 2011). Hence, research is created
for determining facts and approval over experimental things for further operations.
There are commonly three types of research design, these are, descriptive, experimental
and correlation. In the present research, where analysis is required to be done on impact of
economic condition on the growth of banking sector in the Malaysia, descriptive research design

has been used. It will help in generating varied ideas for operations of the business and
enhancement of efficiency (Smith, 2015).
In the present study, in order to analyse the impact of economic condition on the growth
of banking sector in the Malaysia, descriptive approach can applied by the investigator. In this
regard, a systematic structure is to be presented that involves the economic impact in the banking
sector and solution for solving it in an impressive manner.
(3.3.1) Research philosophy
There are different kinds of philosophy used for collecting data as; pragmatism,
positivism, realism and interpretivism. All of these approaches can be described as below:
 In the context of positivism approach, scholar required to design a systematic
questionnaire related to the existing condition and services of the bank and conduct
survey for identify the condition and services of Malayan bank. In this manner,
researcher has conducted survey of bank professionals in the Malayan bank
 In pragmatism approach, information are gathered in both manner as qualitative and
quantitative. However, mixture of data is gained which shows Malayan bank financial
condition and its effectiveness (McMillan and Schumacher, 2014 ).
 In the context of realistic approach, scholar uses a particular technique for data either
qualitative or quantitative. With help of this technique, existing position and condition of
the bank can easily analyse and make the decision for further improvement.
 In the context of interpretivism data collection tool, data are collected for detecting
issues and evaluating solutions for reducing them.
In the present study, scholar has used interpritivism approach for analyse the impact of
economic condition of the country on the growth and performance of Malayan bank. With hep of
this research, scholar can able to identify various strategies for overcome the negative impact of
the economy on the organisation and improve economic position of the bank.
There are different types of research philosophy. These are, pragmatism, positivism,
realism and interpretivism. Positivism approach helps in systematic design of questionnaire
based upon the current prevailing condition of banks in Malaysia so that identification of
condition of Malayan bank can be made. Pragmatic approach helps in collection of information

in both quantitative and qualitative manner. Interpretivism approach helps in collection of data
after detecting issues in it and evaluating solutions so that the issues can be reduced to minimum
(Flick, 2015).
In the present study, interpretivism approach has been used to conduct the research in
order to analyse the economic condition of Malayan Bank. The research philosophy has played
vital role in identification of strategies that can help in improving the negative impact of the
economy which thereby will help in improving the economic position of the bank as well.
(3.3.2) Research Approach
Research approach are the plans and procedures for the research, which contains ways by
which broad and developed methods of detailed data collection then investigation and after that
interpretation in an organisation (Landt and Melville, 2013). Basically there are two Inductive
and Deductive approaches to the research:-
Inductive Deductive
 Its objective is to generate new theory
from the collected data.
 It is aimed in the testing of the theory.
 It generally contains the research on the
qualitative basis.
 The importance of this is basically with
hypothesis and causalities.
 It is frequently referred in research
literature, its necessary that report
begins with open mid without having
any preconceived ideas.
 The aim is to provide new and
innovative ideas, with proper study of
previous researched forms and having
wide range of perspective.
In the present research study, scholar has used inductive approach for conduct survey with bank
professional in order to analyse the impact of economic condition on the growth of Malayan
bank in Malaysia.
Research approach is a plan of how the study is doing to be conducted by the researcher.
Two types of research approaches are commonly used in conducting the study. These are
inductive and deductive research approach. The main aim of inductive research is to generate a
new theory for the data collected by the researcher, However, in case of deductive approach,
already existing theory is tested through various research tools and techniques (Silverman, 2016).

In the present research of economic condition of Malayan bank, scholar has used
inductive approach of research where a new theory will be developed by collecting first hand
data of the research.
(3.3.3) Research Strategy
In the present study, systematic planning procedure is to be followed in related to analyse
the impact of economic condition on the growth of Malayan bank. Thus, research strategy from
setting goals to accomplishing tasks can be understood as:
S. NO. Strategy (plan) Activity
1 Introduction and goal setting In the present research study, introduction and
background of the study is to analyse the impact of
economic condition on the growth of Malayan bank in
the Malaysia. The major aim of this investigation is to
analyse the impact of economic condition on the
growth of finance and bank in sector in the Malaysia.
2 Research strategy After designing the goal, it is very important to frame
the strategy. Strategies including planning and steps to
be followed are proceeded for task accomplishment
systematically (Taylor, Bogdan and DeVault, 2015).
3 Research design In this process, a structure is framed used for research
as in descriptive form for bank. It also includes all
team workers' segmented work for Malayan bank.
4 Participants Bank professionals is going to taking participants in
the survey.
5 Sampling procedure In order to analyse the growth and services of the
Malayan bank, scholar has selected bank professional
for survey so as information can collected.
6 Data collection All information is collected for analyse the impact of

economic condition on the growth of bank in the
Malaysia.
7 Data analysis In this stage, scholar analyse the collected data by
survey of various statistical tools as reliability test and
normative test.
8 Validity and reliability In this stage, justification on the collect information
has generated for further operation and growth in the
Malayan bank in the Malaysia (Gay, Mills and
Airasian, 2011).
9 Conclusion and reporting In the last stage, proper outcome has obtained with
help of collected data. In the collected data, various
views, opinion and thoughts are gathered.
(3.3.4) Research choice
In order to collect information, there are major two method that is primary and secondary data
collection. These methods are as follows- Primary data collection- In this method, scholar can collect the information from the
survey, interview, questionnaire etc. In the context of Malayan bank, scholar collect
information from bank professionals.
 Secondary data collection- In this method, scholar collect information from the
secondary sources such as books, journal, newspaper, online websites etc.
In the present study, scholar conduct the survey of 10 bank professionals of the Malayan bank
for identify the impact of economic condition on the growth and performance of bank. For this
purpose, scholar prepared a systematic questionnaire along with various questions related to the
growth and performance of bank.
3.3.5 Type of investigation
There are basically two types of investigation. The information can be gathered through
primary sources and secondary source. Primary sources of data collection are the first hand
where data is gathered for a specific research in order to serve its purpose. However, secondary

data is a type od collection method where already published sources are used to gather the
information.
Since, both sources hold certain importance, in the present research, both primary and
secondary sources of data collection will be used to gathered data. Primary data will be collected
from bank professionals of Malayan bank and secondary data will be collected from books,
journals, research paper, blogs, online sources etc.
Research questions:
 What is the significance of economic value in the banking sector?
 What are the factors which affect the working of finance and banking sector of Malaysia?
 What is the relationship between the economic condition and growth of Malayan bank?
 Does the inflation and recession can influence on the financial and banking sector in the
Malaysia?
 What are the different techniques and criteria by which financial and economic condition
of the country can measure?
 What is the different strategies which helps in improving the negative impact about the
components in banking sector in the Malaysia?
(3.3.6) Time Horizons
Overall research project is planned for about 1-2 months including it is all processes and
activities. In this regard, it is analysed that for conducting survey, 2 weeks is to be framed on the
basis of which strategies are prepared for further implementations. Further, all action plans are to
convert into implementation that can take 3-4 weeks through segmenting work among bankers to
reduce risks and improving its facilities.
(3.3.7) Data collection
Both primary and secondary sources of data collection have been used to gather
information (Mackey and Gass, 2015). The aim of present research is to analyse the impact of
economic condition on growth of finance and banking sector of Malaysia. Therefore, the data for
primary source will be collected from 10 bank professionals of Malayan Bank so that the
economic impact can be identified in well-defined manner. In order to serve this purpose, a

systematic questionnaire has been prepared along with different types of questions which are
directly related to performance and growth of the bank.
In order to collect the data about the growth and performance of Malayan bank in the Malaysia,
scholar has conducted survey for 10 bank professionals. Thus, sample size is 10 bankers.
(3.3.7) Data analysis techniques
There are commonly two types of data analysis practice. These are qualitative type and
quantitative type. Qualitative techniques help in getting in depth knowledge and information
regarding the subject matter. However, quantitative technique uses statistical tool in order to
analyse the data. In the present research, quantitative technique has been used where SPPS tool
will be used to get the results. The two types of test that has been performed are: Reliability test- This statistical test is to evaluate reliability of collected data as well
proper justification on research is determined through this tool (Creswell, 2013).
 Normality test- It is hypothetical data testing remains suitable for computing test on
random variable.
3.4 Research Ethics
In this following research, scholar has consider following ethics-
 All data and information should valid and authentic. In this manner, social networking
site use should strictly prohibit.
 Scholar should not pressurise or force someone for collecting information.
3.5 Research plan

REFERENCE
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Guanxi-oriented research in China. International Journal of Cross Cultural Management.
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Malaysia: An empirical study. Journal of Islamic Economics, Banking and
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Impact of a banking crisis. 2017. [Online]. Available through <
https://www.economicshelp.org/blog/16958/economics/impact-of-a-banking-crisis/>.

1

APPENDIX
Questionnaire
Name: _____________
Age: ______________
Occupation: ________
1. Do you know the meaning and concept of the economic value?
 Yes
 No
2. Do you know the interest rate determined by the central bank?
 Yes
 No
3. Profitability of bank and interest rates are linked to each other.
 Strongly agree
 Agree
 Neutral
 Disagree
 Strongly disagree
4. In past years do you observe that profit growth rate declined sharply in Malayan bank?
 Strongly agree
 Agree
 Neutral
 Disagree
 Strongly disagree
5. Global economic environment have significant impact on your bank.
 Strongly agree
2

 Agree
 Neutral
 Disagree
 Strongly disagree
6. Do you agree that positive condition of economy can improve the growth of the Malayan
bank
 Strongly agree
 Agree
 Neutral
 Disagree
 Strongly disagree
7. Do you agree that negative economic condition can negatively influence the growth of
finance and banking sector of Malaysia
 Strongly agree
 Agree
 Neutral
 Disagree
 Strongly disagree
8. Do you think that there is direct relationship between the economic condition of country
and growth of banking sector in Malaysia?
 Yes
 No
9. Which of the following economic factor can influence the banking performance in large
manner in the Malaysia
 Inflation rate
3

 Economic policies
 Law and legislation
 Other
10. How banking sector get influence in respect of economic stability?
 Setting interest rates
 Providing financial services to customers
 Granting and loan facilities.
11. What will be market position, if Malayan bank increases its interest rate on deposit?
 Increasing savings
 Enhancing public interest towards banking facilities
 Positive influence on making money for banks
12. Is other sector of country get affected due to changes in interest and income tax rates?
 Yes
 No
13. Which sector affected at most due to economic instability of Malaysia other than banking
sector?
 Business and marketing
 Production and operation system
 Employment and technological
14. Critically evaluate impact on banking sector due to fluctuations in government policies of
Malaysia.
 Imbalanced management
 Changes in public interest towards saving and loan facilities
15. Analyse previous years' banking functions of Malayan bank because of changes in political
environmental factors.
4

 Increasing
 Neutral
 Decreasing
16. Identify role of banks in economic stability of the country.
 Interest rates for encouraging public towards deposits
 Granting loans for businesses' expansion
 Credit and finance facilities
17. How does bank help to government in nation's financial systems.
 Advising for management
 Reserve fund
 Financial aid
18. Determine bank's advisory role in economic stability of Malaysia.
 Suggestions for market stability
 Determining tools for proper management
 Advises on reducing expenses and increasing revenue.
19. How bank is significant for public welfare in terms of financial services?
 Saving through deposit
 Granting loan facilities
 Credit facilities
 Advises on financial system
20. Does bank play crucial role in minimizing risks for its customers?
 Yes
 No
21. In which manner Malayan bank make money?
5

 Collecting fund
 Interest on loans
 Other facilities.
22. Which type of loans and granting facilities are provided by bank?
 Loan for businesses and their expansion
 Export and import facilities within countries
 Education, vehicle and other loans.
23. What are primary functions of a bank?
 Saving public fund
 Granting loans
24. What are secondary functions of bank?
 Utility services
 CSR implementation
 Collecting fund
25. What facilities are provided by bank for country's people?
 Savings and loans
 Building up public interest towards financial services
 Establishing coordination among different sectors
 Economic stability of Malaysia.
26. Is bank able to support financially to businesses for expansion?
 Yes
 No
27. Evaluate relationship between banking sector and economic growth of Malaysia.
 Dependent of each other
6

 Neutral
 No link between them.
28. How banking is effective for creating and maintaining good relationship with other countries
of the world?
 In respect of exchanging currencies
 Loans on export and import of goods and services among countries
29. Is Malayan bank measures performance of country's economic position?
 Yes
 No
30. What policies are made by Malayan bank for controlling over other commercial and private
banks of the country?
 Providing limits on interest rates
 Analysing their performances
 Financial advices for their implementations and controlling on fund
31. Does bank play vital role in stakeholder value creation?
 Yes
 No
32. How does Malayan bank efficient for opportunities to build competitive advantages?
 Through EVA approach
 CSR implementation
 Economic stability
 Financial advises
33. What issues are obtained in bank during performance and functions?
 Loan loss provisions
 Non-recurring assets
7

 Securities accounting
 Changes in government's policies
34. Is Malayan bank play effective in making deposit policies and interest rates?
 Yes
 No
35. What is position of banking sector in Malaysia in comparison to previous years?
 Developing
 Neutral
 Decreasing
36. In which of the following influence is determined in Malaysia at most by taking advantage of
banking services?
 Expansion of businesses
 Positive economic and market position
 Technological development
 Employment sector growth
37. Is Malayan bank provide proper securities to public in context to savings?
 Yes
 No
38. Are rules and regulations made by bank appropriate for economic development of Malaysia?
 Yes
 No
39. In your opinion, is Malayan bank follow on securitized banking system?
 Yes
 No
8

40. How about Malayan bank's securitized banking system impact on Malaysia?
 Effective
 Positive
 Neutral
 Negative
41. How is Malayan bank's impact on capital market?
 Positive
 Neutral
 Negative
42. Is Malayan bank adopt modern technologies for growth of its financial system?
 Yes
 No
43. What is position of Malayan bank in comparison to countries' regulatory banks?
 Better
 Equal
 Neutral
 Negative
44. Is bank play effective role in creating financial system safer and more efficient as well?
 Yes
 No
45. What is role of Malayan bank in fund allocation for country?
 Effective
 Neutral
 Ineffective
9

46. Is Malayan bank is useful for credit creation and controlling of fund?
 Yes
 No
47. Rank on banking sector role in economic growth of Malaysia?
 1st order
 2nd order
 3rd order
48. On which of the following factor Malayan bank requires considering for effective banking
system?
 Attractive interest rates
 Considering growth of country's system in all angles.
49. Regarding you, which of the following banking sector is growing in recent time in Malaysia
at most?
 Retail banking
 Rural banking
 Micro finance
50. What is impact on GDP of the country in contribution of Malayan bank?
 Increasing
 Neutral
 Decreasing
Statistical tools
Normality test
Statistics
Knowledgeo
fnterestrate
Changeinint
erestratebyc
entralbank
Profitabilityo
fbanksandint
erestlinkedto
eachother
Decisiverolei
nNPAonred
ucedprofit
ChangeinPr
ofitduetoNP
A
Globalecono
micenvironm
entandbank
s
Negativechang
einglobalenviro
nmentandbank
profit
10

N Valid 50 50 50 50 50 50 50
Missing 0 0 0 0 0 0 0
Std. Error of
Skewness .337 .337 .337 .337 .337 .337 .337
Std. Error of
Kurtosis .662 .662 .662 .662 .662 .662 .662
Skewness .623 .827 .931 .411 1.187 .630
Kurtosis -1.075 -.734 -.244 -1.393 .262 -1.346
Regression
Variables Entered/Removeda
Model Variables
Entered
Variables
Removed
Method
1
DecisiveroleinN
PAonreducedpr
ofitb
. Enter
a. Dependent Variable: ChangeinProfitduetoNPA
b. All requested variables entered.
Model Summary
Model R R Square Adjusted R
Square
Std. Error of the
Estimate
1 .033a .001 -.020 1.54364
a. Predictors: (Constant), DecisiveroleinNPAonreducedprofit
ANOVAa
Model Sum of Squares df Mean Square F Sig.
1
Regression .125 1 .125 .052 .820b
Residual 114.375 48 2.383
Total 114.500 49
a. Dependent Variable: ChangeinProfitduetoNPA
b. Predictors: (Constant), DecisiveroleinNPAonreducedprofit
11

Coefficientsa
Model Unstandardized Coefficients Standardized
Coefficients
t Sig.
B Std. Error Beta
1
(Constant) 2.583 .424 6.088 .000
DecisiveroleinNPAonreduce
dprofit -.042 .182 -.033 -.229 .820
a. Dependent Variable: ChangeinProfitduetoNPA
Correlation
Correlations
ChangeinProfitd
uetoNPA
DecisiveroleinNPA
onreducedprofit
ChangeinProfitduetoNPA
Pearson Correlation 1 -.033
Sig. (2-tailed) .820
N 50 50
DecisiveroleinNPAonreduce
dprofit
Pearson Correlation -.033 1
Sig. (2-tailed) .820
N 50 50
Statistics
Negativeeconom
iccondition
Directrelationwit
heconomy
Economicfactori
mpact
N Valid 10 10 10
Missing 0 0 0
Mean 2.10 1.30 1.90
Median 1.50 1.00 1.50
Mode 1 1 1
Std. Deviation 1.449 .483 1.101
12

Negativeeconomiccondition
Frequency Percent Valid Percent Cumulative
Percent
Valid Strongly agree 5 50.0 50.0 50.0
Agree 2 20.0 20.0 70.0
Neutral 1 10.0 10.0 80.0
DIsagree 1 10.0 10.0 90.0
Strongly disagree 1 10.0 10.0 100.0
Total 10 100.0 100.0
Directrelationwitheconomy
Frequency Percent Valid Percent Cumulative
Percent
Valid Yes 7 70.0 70.0 70.0
No 3 30.0 30.0 100.0
Total 10 100.0 100.0
Frequency Percent Valid Percent Cumulative
Percent
Valid Inflation rate 5 50.0 50.0 50.0
Economic policies 2 20.0 20.0 70.0
Law and Legislation 2 20.0 20.0 90.0
Other 1 10.0 10.0 100.0
Total 10 100.0 100.0
13

Negativeeconomiccondition * Directrelationwitheconomy Crosstabulation
Count
Directrelationwitheconomy Total
Yes No
Negativeeconomiccondition Strongly agree 5 0 5
Agree 1 1 2
Neutral 1 0 1
DIsagree 0 1 1
Strongly disagree 0 1 1
Total 7 3 10
DESCRIPTIVES VARIABLES=bankinginfluence marketposition Interestandincometax
economicinstability impactonbanking Previousyearbanking Roleofbanks Bankhelpgovernment
Bankadvisory publicwelfare Minimisingrisk Bankmakemoney loansandgranting Primaryfunction
secondaryfunction facilitiesbybank financialsupport relationwitheconomy bankingeffectiveness
Bankperformance Policiesofbank bankroleinstake Bankopportunities bankduringperformance
depositpoliciesandrates comparisionwithpreviousyear influenceinservices
contexttosaving ruleandregulation securitisedbanksystem impactonmalaysia Impactoncapital
Moderntech compairisonofregulatory roleinfinancialsystem fundallocation creditcreation
effectivesystem GDPimpact
/STATISTICS=MEAN STDDEV MIN MAX.
Descriptives
Notes
Output Created 23-OCT-2017 14:02:19
Comments
14

Input Data C:\Users\user\
Documents\Untitled1.sav
Active Dataset DataSet0
Filter <none>
Weight <none>
Split File <none>
N of Rows in Working
Data File 10
Missing Value
Handling Definition of Missing
User defined missing
values are treated as
missing.
Cases Used All non-missing data are
used.
Notes
15

Syntax DESCRIPTIVES
VARIABLES=bankingin
fluence marketposition
Interestandincometax
economicinstability
impactonbanking
Previousyearbanking
Roleofbanks
Bankhelpgovernment
Bankadvisory
publicwelfare
Minimisingrisk
Bankmakemoney
loansandgranting
Primaryfunction
secondaryfunction
facilitiesbybank
financialsupport
relationwitheconomy
bankingeffectiveness
Bankperformance
Policiesofbank
bankroleinstake
Bankopportunities
bankduringperformance
depositpoliciesandrates
comparisionwithprevious
year influenceinservices
contexttosaving
ruleandregulation
16

securitisedbanksystem
impactonmalaysia
Impactoncapital
Moderntech
compairisonofregulatory
roleinfinancialsystem
fundallocation
creditcreation
effectivesystem
GDPimpact
/STATISTICS=MEAN
STDDEV MIN MAX.
Resources Processor Time 00:00:00.00
Elapsed Time 00:00:00.01
[DataSet0] C:\Users\user\Documents\Untitled1.sav
Descriptive Statistics
N Minimum Maximum Mean Std. Deviation
bankinginfluence 10 1 3 1.60 .699
marketposition 10 1 3 1.60 .699
Interestandincometax 10 1 2 1.40 .516
economicinstability 10 1 3 1.60 .699
17

impactonbanking 10 1 2 1.40 .516
Previousyearbanking 10 1 3 1.70 .675
Roleofbanks 10 1 3 1.70 .675
Bankhelpgovernment 10 1 3 1.60 .699
Bankadvisory 10 1 4 2.00 1.247
publicwelfare 10 1 2 1.50 .527
Minimisingrisk 10 1 3 1.90 .876
Bankmakemoney 10 1 3 1.70 .823
loansandgranting 10 1 2 1.40 .516
Primaryfunction 10 1 3 1.90 .876
secondaryfunction 10 1 4 2.00 1.054
facilitiesbybank 10 1 2 1.40 .516
financialsupport 10 1 3 1.80 .789
relationwitheconomy 10 1 2 1.40 .516
bankingeffectiveness 10 1 2 1.40 .516
Bankperformance 10 1 3 1.80 .789
Policiesofbank 10 1 2 1.40 .516
bankroleinstake 10 1 4 2.50 1.269
Bankopportunities 10 1 4 2.50 1.269
bankduringperformance 10 1 2 1.40 .516
depositpoliciesandrates 10 1 3 1.80 .789
comparisionwithprevious
year 10 1 4 2.50 1.269
influenceinservices 10 1 2 1.40 .516
18

contexttosaving 10 1 2 1.40 .516
ruleandregulation 10 1 3 1.80 .789
securitisedbanksystem 10 1 3 1.80 .919
impactonmalaysia 10 1 2 1.30 .483
Descriptive Statistics
N Minimum Maximum Mean Std. Deviation
Impactoncapital 10 1 4 2.00 1.054
Moderntech 10 1 2 1.40 .516
compairisonofregulatory 10 1 3 1.80 .789
roleinfinancialsystem 10 1 2 1.30 .483
fundallocation 10 1 3 1.80 .789
creditcreation 10 1 2 1.40 .516
effectivesystem 10 1 3 1.80 .789
GDPimpact 10 1 3 1.80 .789
Valid N (listwise) 10
19