Research
Analysis of the Factors Affecting Banking Profitability in Bangladesh
The banking sector of Bangladesh is one of the major contributors to the Bangladesh economy with the commercial sector playing a vital role in the financial sector. This paper investigates the impact of bank-specific variables on bank profitability in Bangladesh from 2011-2017. For this purpose, the data of 30 banks are collected. Correlation, regression analysis and time series analysis are done with the collected data of the 30 banks. ROA is taken as representatives of bank’s profitability i.e. this is the dependent variables. Non-performing loans, Loan to Deposit Ratio, Equity to Asset ratio and Interest Expense to Income ratio are taken as independent variables to find out what are the effects of these variables on profitability. From the correlation analysis, we have found that if LDR, NIE-INC and EQUITTA increase, ROA also increases. Whereas, increase in NPL results in decrease of ROA. We established one regression model in terms of profitability, considering the other variables as independent variables. This paper also mentions the current banking condition of Bangladesh and how important banking sector is, for its economy.
Factors Affecting Credit Card Use in Bangladesh
The credit card industry in Bangladesh is seeing an increasing number of users for the past few years. This paper studies the reason behind the using behavior of customers of credit cards. The paper starts with a brief description credit card and how it developed worldwide and came to Bangladesh. It also discusses the current situation of the credit card industry in the country. After that some literary works were explored to get an idea on what studies have been done on this industry. These works guided the works done in this study. The latter part discusses the data collection and analysis to conduct the research. The paper used two types of analyses to study the credit card use in Bangladesh. Before that it tested the usability of the data collected and filtered. After that, it identified components like convenience, social status, attributes of the credit card and additional benefits provided as some key factors affecting the users’ perception and using behavior. It also examines the effect of demographic variables on the using behavior of the customers of credit card. As a whole, the paper studied the using pattern of Bangladeshi customers regarding the continuity of using credit cards.
