The Effect of Work Load, Motivation, and Competence on Performance of Bank Employees in Indonesia

The rapid global economic development makes the business competition in Indonesia to be tighter. Companies must create quality products to survive in Indonesia market. Bank XYZ as a privately owned banking company has a superior product, namely pension product, where the pension product of Bank XYZ is in cooperation with PT Asabri (Persero). Bank XYZ has the duty to supervise and distribute pension funds to customers. The undistributed balance is the performance assessment of Bank XYZ by PT Asabri (Persero) for future business sustainability. Undistributed balances in Bank XYZ are increasing and result in poor performance assessment. The research was conducted using quantitative method with qualitative descriptive approach. The analytical tool used was Multiple Linear Regression using SPSS version 24 software. The results indicated that the competence had the most powerful effect on employee performance. In addition, workload and motivation had a significant effect on employees performance because employees lacked work training.