An inefficient work environment means that Sampath Bank’s goods and services are not being utilized properly… … "Work Inefficiencies (Sampath Bank)" will have a long-term negative impact on this entity, which subtracts from the entity's value. This qualitative factor will lead to an increase in costs. "Work Inefficiencies (Sampath Bank)" is an easy qualitative factor to overcome, so the investment will not have to spend much time trying to overcome this issue.