The purposes of this research were to: study performance efficiency of Kasikorn Bank employees; to compare personal characteristics and performance efficiency of Kasikorn Bank employees; and study correlation of employee competencies to performance efficiency of Kasikorn Bank employees. The questionnaire and test were employed for collecting data from the sample group comprising 287 cases of Kasikorn Bank employees at Ratburana head office. The sample group was derived from simple random sampling. The frequency percentage mean standard deviation T-test one-way ANOVA and Pearson’s correlation with statistical significance at the level of 0.01 to 0..05 were applied for data analysis. The findings revealed that the majority of participants were female; aged between 18-30 years; working years were five years or more; and their position was unit chief. The result of difference comparison found that different genders ages and working years had no different effect to performance efficiency. Moreover correlation between employee competencies and performance efficiency of Kasikorn Bank employees it was found that correlation was at high level and the same direction.

The objectives were to: study organization engagement of Kasikorn Bank employees; compare personal factors with organization engagement of Kasikorn Bank employees; and study job satisfaction of employees with relationship to organization engagement of Kasikorn Bank employees. The questionnaire and test were used for compiling data. The frequency percentage mean standard deviation one-way ANOVA and Pearson’s Pearsons correlation with statistical significance at the level of 0.01 to 0.05 were employed for data analysis. The findings indicated that the majority of respondents aged between 21 and 30 years; their working years ranged between 1 and 5 years; their marital status was married; their average monthly income was 40001 Baht or more; and their position was unit chief. The different ages and working years affected different organization engagement. Meanwhile different marital status average monthly income and position did not differently affect to organization engagement. In addition job satisfaction had intermediate correlation with organization engagement of Kasikorn Bank employees and was at the same direction.

The objectives of this research are to study the credit considerations criteria the opinion about credit analyzing for SMEs business of the credit analysts and the problems of the credit consideration process of SMEs business in Kasikorn Bank Public Company Limited and Siam Commercial Bank Public Company Limited. The sample groups are 181 credit analysts of Kasikorn Bank Public Company Limited and 219 credit analysts of Siam Commercial Bank Public Company Limited. The collected data by questionnaire. The result of this study is the main information which the questionnaire answerers use for credit consideration are the personal document of borrower. The most important information use is the current account statement. The financial statement which is used in credit consideration the most important is income statement. The objective of using financial statement in credit consideration is analyzing the solvency. The important transaction in financial statement which is used for credit consideration are profit/loss and revenue/expense. To give priority to the qualitative analysis the result is the majority of questionnaire answerers give priority to collateral the majority of questionnaire answerers give priority to the statement of cash flow. The opinion about the problem of credit consideration process the result is the majority of questionnaire answerers give priority to look for the customers. The result of assumption test is the overall qualitative analysis quantitative analysis and problems in credit consideration process are different.