Private Commercial Banks In Bangladesh Research Articles

Profitability measurement of selected Islamic Shariah-based private commercial banks in Bangladesh: A comparative Study

The purpose of this study is to analyze the profitability of five selected five Islami banks with a Shariah foundation and to determine whether these banks are more or less profitable. This study makes use of secondary data that was gathered from selected banks' annual reports between 2013 and 2022. This study employed a parametric approach; comparisons were assessed using descriptive analysis; the ANOVA test was used to assess reliability; and multiple regressions was utilized to assess impact. SPSS version 2014 is utilized for multiple regression analysis, and Excel 10 is used for ANOVA tests. The results indicate that the profitability of the selected banks is fairly high, with every bank under examination achieving favorable outcomes. The percentage of deposits with assets and the distribution of assets among the sample banks are not moderate. The inadequate asset allocation of FSIBPLC is indicated by its low return on assets. Furthermore, the bank has a deficiency in the area of net profit margin (NPM). Additionally, SIBL's debt collection and repayment are inadequate. Investors will be deterred from investing by the significant variations in return on equity found in almost every bank during the research period. Reducing overhead costs and enhancing the appropriate distribution of loans and advances will boost operating income and net profit efficiency. Above all, FSIBPLC and AIBPLC have fared well across the board. To optimize their profitability, the three remaining banks—IBBPLC, SIBL, and UBBPLC—had to step up their efforts.

Accounting Information System as the Predictor of the Performance of Private Commercial Banks in Bangladesh

Accounting Information System as the Predictor of the Performance of Private Commercial Banks in Bangladesh

Effect of Leadership Behaviors and Job Satisfaction on Organizational Citizenship Behavior of Private Commercial Banks in Bangladesh: A Conceptual Framework

Effect of Leadership Behaviors and Job Satisfaction on Organizational Citizenship Behavior of Private Commercial Banks in Bangladesh: A Conceptual Framework

Influence of Corporate Social Responsibility on Financial Performance of Listed Private Commercial Banks in Bangladesh: An Econometric Analysis

Key objective of this study was to measure the role of CSR on corporate financial performance in Bangladesh. It has measured the performance of all (30 in 2015) listed private commercial banks (PCBs) of Bangladesh. Those organizations were studied for a ten-year period ranging 2011-2020. The statistical techniques of analyzing panel data especially OLS, random effect, fixed effect, GMM and dynamic GMM methods have been used. The econometric model has been developed where CSR expenditure is a dependent variable and financial performance indicators of the firm (e.g. ROA, ROE, TobinQ, EPS and market price of share) are considered as independent variables. Data analyses show that CSR has a positive effect on the corporate financial performance in Bangladesh.

EVALUATION OF TRAINEES’ REACTION TO TRAINING PROGRAMS

In the contemporary workplace, where diversity in learning styles and preferences is paramount, understanding and enhancing the effectiveness of training programs has become critical for organizational success. This study investigates trainee reactions to employee training programs, emphasizing the dimensions of Perceived Training Efficiency (PTE), Perceived Trainer Performance (PTP), and Perceived Usefulness of Training (PUT). The research employs a quantitative approach, surveys 381 employees from eight private commercial banks in Bangladesh, and uses a structured questionnaire with a Likert scale. The study utilizes descriptive and inferential statistics. Findings reveal positive perceptions in terms of training efficiency and trainer performance. However, the perceived usefulness of training shows room for improvement. The statistical significance of the results confirms their applicability to a broader population. The study's implications suggest a need for personalized training approaches that align with diverse learning needs and career aspirations. Continuous feedback mechanisms are advocated to refine training programs in real time, emphasizing the importance of adaptive strategies in organizational training initiatives. This study acknowledges its limitations and calls for multiple evaluation methods and comparative analysis for the assessment of training programs.

Performance appraisal of selected first-generation private commercial banks in Bangladesh

The motive of this study is to appraise the performance of selected first-generation private commercial banks in Bangladesh. Both quantitative and qualitative analyses were used. The performance of the banks was tested through several variables, such as Deposits, Investments, Loan-to-Deposit ratio, Imports, Exports, Return on Assets (ROA), Return on Equity (ROE), Net income, Earnings per Share (EPS), etc. These variables were then examined using statistical measures, such as growth percentage, trend equations, the square of the correlation coefficient, and a correlation matrix. Sixty trend equations and R-squared were tested for twelve different banks’ activities. From the study, it has been found that banks are facing some challenges due to ongoing economic crisis and liquidity crisis. However, all the banks are trying to recover from the economic crisis, and some banks are doing very well, while some banks are facing hardships to cope with the situation. The findings of the trend analysis and correlation matrix of the study are expected to direct the first-generation commercial banks of Bangladesh to improve their performance. We are quite optimistic that if the selected banks tried to overcome the identified problems, then their performance will improve, and they may give rise to accelerated development of Bangladesh’s economy.

The Impact of Corporate Governance on Financial Performance of Private Commercial Banks in Bangladesh

Corporate governance is imperious to the banking sector's growth. The study aims to explore how corporate governance mechanisms impact certain aspects of financial performance. This study has taken five listed conventional PCBs with a five-year study period from 2016 to 2020 using the purposive sampling technique. The influence of various CG mechanisms on financial performance attributes has been investigated through the use of multiple regression analysis. The study findings demonstrate that equity ratio, log total assets, and log listing age out of eight variables have a significant influence on NPM and ROA, while the other five variables revealed insignificant influence. On the other hand, ROE was influenced by log total assets and log listing age, but insignificant influence was found in the remaining six variables. Moreover, log listing age revealed a significant impact on EPS, whereas an insignificant influence has been observed in the case of the remaining seven variables. The study recommended that corporate governance must be adequate and transparent for the sake of pertinent stakeholders in the banking sector.

Impact of Organisational Justice on Employees’ Intention to Stay: A Study on Private Commercial Banks of Bangladesh

Impact of Organisational Justice on Employees’ Intention to Stay: A Study on Private Commercial Banks of Bangladesh

An Empirical Analysis of Macroeconomic and Bank Specific Factors Ascertaining Bank Deposit: A Study on Bangladesh

Bank working capital is largely determined by the level of bank deposits. As the primary source of funds for carrying out lending activities, deposits are the lifeblood of a banking firm. More savings encourages more investment which in turn ensures economic growth. This paper tries to find out relevant factors influencing volume of deposit mobilization by commercial banks. The study is based on the opinion of 200 sample professionals from 29 listed private commercial banks in Bangladesh. The result shows that Government monetary policy, bank size, diversified services, state of local and national economy dominates the collection of bank deposit by commercial banks. Probable implication from the findings is investment friendly government monetary policy that can lead towards improving bank-specific factors as enhancing bank size and ensuring diversified services for more deposit attraction.

The impact of non-performing loans on bank lending behavior before and amid COVID-19 Pandemic

The main objective of this study is to assess the impact of non-performing loans on bank lending behavior before and amid the COVID-19 pandemic. To do this research we have chosen fifteen private commercial banks in Bangladesh and data were taken from the year 2012 to the year 2021. Credit growth as a component of bank lending behavior was selected as the dependent variable and independent variables are non-performing loans to total loans, provision for loan losses to total loans, gross domestic product (GDP) rate, inflation rate, unemployment rate, total loans to total customer deposit, total equity to total asset, tier 1 ratio, growth of customer deposits, the dummy variables are used for incorporating the effect of covid-19. The paper suggests that NPL to total loan, provision for loan losses to total loan, total equity to total asset, and dummy variables (effect of covid-19 on NPL) are found statistically significant and inversely related to credit growth. Another three variables namely total loan to total deposit, deposit growth, and inflation variables are statistically significant and positively related to credit growth. All of the significant variables are consistent with general economic theory except the case for total equity to the total asset. To reduce non-performing loans, the banks may concentrate on improving corporate governance, maintaining strong loan review, thoroughly reviewing the KYC form, must ensure safety principles before approving a loan, collecting information from the CIB, accepting adequate collateral, examining the five C’s, name lending and connected party lending should be strictly prohibited which are quite related with behavioral and judgmental issues, would be a matter of further research.

Corporate Social Responsibility Practices of Private Commercial Banks in Bangladesh

One of the top priorities for any business firm is corporate social responsibility. The sheer number of initiatives that business companies have taken shows how widely they have adopted CSR. In order to examine corporate social responsibility actions carried out by private commercial banks in Bangladesh, this study will do so. The study’s secondary data came from annual report of banks, website, Bangladesh Bank publications published between 2018 and 2021. From this study, it can be inferred that practically all private commercial banks participate in CSR initiatives. The results of this study also show that private commercial banks in Bangladesh primarily engages in CSR activities by making contributions to the fields of environment protection, disaster relief, infrastructure development in remote areas, income generation for the underprivileged, and others. The survey also found that Bangladesh's PCBs mostly support the sectors of healthcare, education, and disaster assistance. Environment, infrastructure development, income-generating initiatives for underprivileged populations, and cultural welfare sectors are not given much weight by CSR. So, emphasis should be given to the environment, the development of infrastructure, and technological innovation, activities that generate cash in order to help development of socio-economic development of Bangladesh.

Lending Principles and Practice in the Banking Sector: A Case Study of Some Selected Private Commercial Banks in Bangladesh.

Purpose: The purpose of the study is to examine whether private commercial banks in Bangladesh follow the lending principles and practice before granting loan to customers. it examined the opinions of participants on lending practices and philosophies within the chosen institutions. Methodology: The descriptive statistics were utilized to make inferences based on the views obtained from the individuals who participated. One hundred (100) questionnaires were given to the credit department and a few personnel of thirteen (13) private commercial banks in the Dhaka metropolitan area. Findings: The study discovered that the chosen private commercial banks employed a variety of lending models, with the Credit Scoring and 5 C’s model being the most often used. In addition, private commercial banks made certain that their borrowing guidelines and procedures were adhered to while making credit to clients. Following the lending principles and practices to grant loans to customers help the commercial banks increase its profitability and decreases the amount of loan default. Unique Contribution to Theory, Practice and Policy: Due to the complexities of the economic climate, it is recommended that banks should utilize a variety of lending approaches to analyze requests for loans. To help decrease and limit the risk of bankruptcy, different commercial banks ought to offer consulting assistance to lenders to verify that the loans are spent properly and for their stated reasons.

Investigating the Relationship between Brand of the Organization and Recruitment : A Study on Some Selected Private Commercial Banks of Bangladesh

Investigating the Relationship between Brand of the Organization and Recruitment : A Study on Some Selected Private Commercial Banks of Bangladesh

Investigating the relationship between brand of the organisation and recruitment: a study on some selected private commercial banks of Bangladesh

Investigating the relationship between brand of the organisation and recruitment: a study on some selected private commercial banks of Bangladesh

Relationship between the Corporate Disclosure and Profitability: An Empirical Analysis of the Commercial Banks in Bangladesh

Disclosure is essential for interested users to make logical decisions. This study evaluates the extent of corporate disclosure and its relationship with the profitability attributives of banking companies in Bangladesh. To achieve the study purpose, this study has taken five private commercial banks in Bangladesh for five years from 2016 to 2020. The required data have been collected mainly from secondary sources. To reach the study findings per study objectives, the researcher has employed different statistical techniques, analyzed the various annual reports to calculate the level of corporate disclosure, and identified the different profitability attributives. The results of descriptive statistics show that the highest mean value is visible in the case of SB_3, and the lowest mean value is visual in the case of SB_4, but SB_4 and SB_5 show the lowest and highest standard deviation values. The ANOVA test results show significant variation in the level of corporate disclosure and different profitability attributes among the sample banks over the study period. The simple regression results show a substantial relationship between the corporate disclosure scores and profitability attributives. The effects of multiple regression present that other profitability attributes like profit before tax and earnings per share significantly impacted corporate disclosure scores. However, the remaining attributes, like operating profit, profit after tax, return on equity, and return on asset, had an insignificant positive impact on the corporate disclosure scores of the sample banks over the study period. This research study has recommended that the management of the banking companies should take necessary steps to ensure an adequate level of corporate disclosure in reporting practices because the different stakeholders make any decision based on disclosing information.

Exploring the Correlation among Employee Performance, Motivation, and Social Life Satisfaction: A Study on Private Commercial Banks in Bangladesh

As a key component of economic growth, commercial banks play a pivotal role in the development of trade and industry in a country. At present, 61 scheduled banks are operating in Bangladesh of which 43 are private commercial banks. The performance of these banks’ employees plays a vital role in the economic sustainability and growth of the country. This study focuses on these employees’ performance in the light of their motivation and social life satisfaction. The data were collected from 204 respondents from the three renowned private commercial banks (Islami Bank Bangladesh Limited, Dutch-Bangla Bank Limited, and Jamuna Bank Limited) through a structured questionnaire. A 5-Point Likert Scale was used to collect primary data and Statistical Package for the Social Science (SPSS) software was used to analyze it. The study revealed that there is a significant positive correlation between employee performance and motivation as well as social life satisfaction. Furthermore, social life satisfaction has the highest positive contribution to performance. Finally, some actionable recommendations were outlined based on the findings of the study.

Estimating the Brand Equity of Various Private National Commercial Banks in Bangladesh

Purpose: The primary objective of this research is to estimate the brand equity of several national private commercial banks in Bangladesh. It will aid these banks in understanding the competitive situation of their brand, allowing them to devise a more effective branding plan to strengthen their position in the industry. Methodology: This research employs a quantitative methodological approach. The survey method is used to collect data for the research. The responses were obtained using a technique of random sampling. The respondents were BBA students from various private universities in Dhaka, Bangladesh. The data was collected in the year 2022. Using Cochran's approach, the researcher determined the appropriate sample size for the survey. The acquired data were evaluated using one-way ANOVA (analysis of variance). Findings: The value of F is 232.557, and its p-value is.000, which is less than the alpha threshold of .05, suggesting that it is statistically significant. Consequently, there is a statistically significant variation between the mean brand equity scores of various banks. Originality/Value: Each national private commercial bank in Bangladesh has its own brand equity, which fluctuates over time. Thus, knowing the current ranking of brand equity for the chosen national private commercial banks in Bangladesh would enable them to comprehend their current position in the industry and the current perceptions of their customers. So that they can modify and enhance their branding strategy based on their desired market position.

The Mediating Role of Organizational Culture between High Involvement HRM Practices and Employee Engagement in the Banking Sector of Bangladesh

This paper reflects the results of an empirical study conducted in the banking sector of Bangladesh to assess the impact of High involvement HRM (HI HRM) practices on employee engagement (EE) with the mediating effect of organizational culture (OC). Data for this study have been collected using purposive judgmental sampling technic from 368 employees (precisely Officers and Senior Officers) working in different private commercial banks of Bangladesh. Findings of this study exhibited significant positive impact of high involvement HRM practices on employee engagement. Alongside, the mediating effect of organizational culture on the relationship between HI HRM practices and employee engagement was also found to be significant in this context. Thus, it might be summarized that if the right set HI HRM practices are established in alignment with a proper organizational culture setup, it might immensely boost the engagement level of the employees in banking sector of Bangladesh and would play a significant role in recovering the banking sector from the turmoil it has fallen into due to increasing pressure of digitalization, deregulatory measures, and obviously the damages incurred to this sector by the global pandemic Covid-19 as well. Keywords: High involvement HRM practices, organizational culture, employee engagement, banking sector, private commercial banks, Bangladesh. DOI: 10.7176/EJBM/14-14-09 Publication date: July 31 st 2022

Impact of COVID-19 on Financial Performance and Profitability of Banking Sector in Special Reference to Private Commercial Banks: Empirical Evidence from Bangladesh

The current crisis caused by the COVID-19 pandemic has hit the global economy hard, causing significant damage to every aspect of the global banking system, and Bangladesh is no exception. For that reason, its performance and profitability have been affected. In this study, we investigate the impact of COVID-19 on the financial performance and profitability of the listed private commercial banks in Bangladesh. We initially compute each bank’s financial performance index (FPI) to determine the position according to their financial performance individually before and the current period of COVID-19 by the standardized CAMELS rating system. After assessing the position, the fixed-effect regression model is used to explore the impact of the bank’s specific variables and macroeconomic variables along with the banks’ variables on the banks’ profitability. The banks that performed better during the pre-pandemic period of COVID-19 also performed better during the pandemic period of COVID-19. The performance of AIBL, EBL, and BBL was almost autonomously higher during both periods. In the case of bank profitability, our paper discovered that during the pandemic period of COVID-19, high non-performing loan rates, holding more liquid assets, a high amount of hedging capital, and inappropriate bank size lessened the banks’ profitability. In contrast, a low leverage position and inflation rate enhanced the bank’s profitability during this period. The outcome of this study will help bank authorities detect the loopholes and take preventive measures that can improve their profitability during a crisis period like COVID-19. The investors and depositors who invest money in banks can precisely decide their portfolios.

The Effects of Director Ownership on Capital Adequacy and Risk Taking Among Private Commercial Banks in Bangladesh Within the Basel Capital Adequacy Framework

The Effects of Director Ownership on Capital Adequacy and Risk Taking Among Private Commercial Banks in Bangladesh Within the Basel Capital Adequacy Framework