Human resource is the only competitive tool that can be protected from imitation by competitors. Highly satisfied employees contribute in acquiring competitive advantage. Contribution Factor and Return Factor explain the satisfaction level of a banker. Not only compensation package (Return Factor) but also good-to-work surroundings (Contribution Factor) can increase the satisfaction level of an employee. Employers must consider the two factors to create a pleasant working environment which will result in a bunch of satisfied and motivated employees who can become the source of competitive advantage for the organization.