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The present research work is undertaken to analyse the sources of penetration and level of penetration. A Source of penetration is defined by actions a firm takes to communicate with end users, consumers and external parties. It covers the five subsets, such as advertising, sales promotion, direct marketing, personal selling and public relations. In this study, the researcher has applied the factor analysis to analyze the customers' opinion towards the sources of penetration. In order to analyze the sources of penetration and level of penetration, the researcher has used discriminant analysis. The result reveals that 18.6% of variables predict the level of penetration. Moreover, Advertising and Direct Marketing are the most important sources that discriminates the level of penetration.

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Financial Consumer Protection improves confidence of depositors in the banking (financial) systems by making sure that they invested (deposited their funds) in products suitable for their risk profile and financial plans. This, in turn, enhances the stability of banks’ deposit base and diminishes the risk of panic and runs on bank deposits. Consumer protection directly contributes to increase efficiency of financial intermediation, transparency of financial products and services, and product innovation driven by consumers’ demand. Effective consumer protection facilitates increased penetration of the financial sector, through improved awareness of financial products and services, consumer’s rights and obligations, and the advantages of life-long financial planning. Therefore, the present study aims to examine the level of financial consumer protection and also compare financial consumer protection of public sector banks and private sector banks. This study covers both primary data and secondary data. Primary data has been collected from the customers of commercial banks using pre-tested interview schedule and the secondary data has been collected from standard books, journals, magazines and websites. The researcher has applied purposive sampling technique to identify the 228 sample respondents of the study. In order to analyze and compare the financial consumer protection, the researcher has used the Percentage Analysis and Mann-Whitney Rank Sum U-Test. This study reveals that there is no significant difference between the level of financial consumer protection of public sector commercial banks and the level of financial consumer protection of private sector commercial banks.

Work-life balance is about creating and maintaining supportive and healthy work environments, which will enable employees to have balance between work and personal responsibilities and thus strengthen employee loyalty and productivity. Work-life balance is used to describe the equilibrium between responsibilities at work and responsibilities outside paid work; having a work-life balance means that this equilibrium is in the right position for the individual concerned. Work life and personal life are interconnected and interdependent. Work life and personal life are the two sides of the same coin. People have to make tough choices even when their work and personal life is nowhere close to equilibrium. Particularly the role of women is very crucial and pathetic. The identification of the equilibrium point between work and life is difficult to the employee alone. Therefore the support of the organization is very important. To what extent the employee needs support from the employer is the qualitative one and differs from one to another. This research have the objective to identify the factors leads work life balance and also measures the work life balance of employees of the banking industry.