خلاصة:
Drastic changes and turbulence in macro-economic factors have the greatest impact on banks target market attractiveness in Iran. It is assumed that conventional segmentation models at the corporate level are not efficient for banking system. This study aims to develop a new segmentation model at the industry level for banks of Iran. For this purpose, structures and variables at the industry level were identified and defined by reviewing the literature and with the help of bank experts in focus group sessions. Then, data of ISIC 3-digit factories with 50 and more employees were extracted from Iran Statistic Center and Tehran Stock Exchange databases during 2005-2013. We used Hierarchical Cluster analysis in each year and identified 4 study groups across 9 years. We found that identified groups are significantly different regarding industry size, deposit and loan market size, industry growth, deposit
and loan market growth, profitability, investment risk, and transaction with other industries.
ملخص الجهاز:
"The structures and variables of the research have been identified and described using focus group technique and interviews with experts of the industry: Focus Group: In the first step the factors of measuring the attractiveness of the market from the banking system viewpoint were identified using a focus group of 7 experts of banking with different specialties; finance, economics, accounting, and marketing.
These conditions have improved to some extent in 2011 and 2012; their profitability is low in general and has improved in recent years; they have the second highest paid commission to the banks; they import capital equipment and as a result are import-dependent; they have the lowest rate of export among all industries; they have a medium state in liquidity, a relatively low collection period, a medium business risk and have average forward and backward linkage.
White Industries: Number of Members: 12 Industries; ISIC: 191, 192, 201, 202, 223, 231, 252, 261, 300, 314, 332 and 353 These industries have the smallest size and deposit and loan market among all groups; value added and investment growth rate are high and they have an average growth rate in other variables; they have the highest profitability state, lowest paid commissions to the banks thus a small market for them.
One of the limitations encountered in this study was the difficulty of identifying the industries’ attractiveness dimensions for the experts due to the vast coverage of industries which is why only quantitative data and indices were used to evaluate the groups of the market."