Assessing the Value Added of Banking Activities to Reduce Non-Operating Expenses: Case study; Kargaran Refah Bank

Banks are the most important centralized and specialized monetary, credit and investment institutions. Several services are available in the banks for customers, including: Opening of various accounts, granting of facilities, presenting the actual / legal / encrypted check, transfers and guarantees, promissory notes, participation bonds, stock and broker services, payment and receipt of cash. Activities in new banking have undergone a change. Many of the activities have been abandoned and many have been launched and expanded. Banks are pushing for increased performance and productivity in a competitive environment, which requires them to review their activities and promote their work paths. In this research, the value added of banking activities has been identified and evaluated. First, a field study was conducted to investigate the history of research, and then the experimental results of the services and activities of the bank were performed through the implementation of the questionnaire "Assessing the value added of the central and non-core activities of the Refah Kargaran Bank " and the interview was conducted with experts and bank directors. The results showed that there is a significant relationship between non-value added activities with credit and cash activities, structural and staffing activities, and the services of the Refah Kargaran Bank of the South Khorasan Province. But there is not a meaningful relationship between non-value added activities and value added services activities. The analysis of the reasons for the weakness of the disproportion between the non-operational costs related to some of these activities and their added value has been analyzed in the Refah Kargaran bank and suggestions for each activity in the form of five situation, removal, limitation, preservation, restoration, completion of this activity is provided.