Abstract
This paper explores how many internal and external factors from 2007-2017 affect the competitiveness of commercial banks in Bangladesh. Many bank-specific variables are used to achieve the goals as internal factors, and macroeconomic variables are used as external factors. A sample of seven commercial banks will be used for this purpose. Return on equity is used as a proxy for profitability and capital adequacy, the size of asset quality banks, investment control, liquidity, resource structure, and economic indicators are used as proxies for the independent variable. The paper's overview findings show that asset structure, capital adequacy, and asset quality are the key factors in Bangladesh's profitability for the commercial bank. The paper's outcome indicates that if commercial banks are more worried about these factors, they could produce a better return on the competitive market.
Highlights
The financial system of Bangladesh consists of scheduled or non-scheduled banks, non-bank banks, insurance companies, asset managers, microfinance institutions, commercial banks, joint-stock companies, brokerage houses, exchanges of shares and credit rating firms under the supervision of various regulators
Data Analysis and Findings The ultimate goal of this paper is to identify both internal and external factors that affect the profitability of the bank in Bangladesh
The internal factors are derived from the bank account and the external factor reflects a bank's business environment
Summary
The financial system of Bangladesh consists of scheduled or non-scheduled banks, non-bank banks, insurance companies, asset managers, microfinance institutions, commercial banks, joint-stock companies, brokerage houses, exchanges of shares and credit rating firms under the supervision of various regulators. Commercial banks play an important role and there are currently 59 commercial banks. These banks have worked successfully through conventional banking services in Bangladesh for the last four decades. The basic principle of commercial banks is to transfer the fund from the surplus to deficit unit nowadays they are being considered as a business conglomerate. Commercial banks are being considered as the lifeblood of the banking system
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