Factors influencing absorption of the banks' financial resources: assessment of the optimality

Optimal allocation of deposits (resources) and facilities (expenditures) are among the most important strategies of banks. Optimal allocation of resources in various economic sectors leads to targeting of funds collected by banks. Optimal allocation of expenses, in addition to obtaining returns in excess of the cost of attracting resources, leads to rapid and timely response to bank customers. The purpose of this study is to provide linear programming models to determine the optimal combination of resources and expenditures of banks with the approach of reducing the cost of money. The tools used in this research are linear programming models and the data used is quantitative. The results of this study showed that all five factors (electronic banking, physical factors and conditions, service factors, communication and human factors and financial factors, respectively) were effective factors in attracting resources. They are influential in the bank, respectively.