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首页> 外文期刊>American Journal of Theoretical and Applied Business >Bank-specific & Macroeconomic Determinants of Profitability: Empirical Evidence from Bangladeshi Private Commercial Banks
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Bank-specific & Macroeconomic Determinants of Profitability: Empirical Evidence from Bangladeshi Private Commercial Banks

机译：盈利能力的特定银行和宏观经济决定例：孟加拉国私营商业银行的经验证据

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This paper tries to investigate the determinants of profitability for Bangladeshi private commercial banks. The return on assets (ROA) and return on equity (ROE) are two important variables that have been used in this study to indicate profitability. The study considered a set of independent variables such as bank-specific factors that comprise bank size, capital adequacy, asset quality, liquidity, deposits, asset management, operational efficiency; and macroeconomic factors such as GDP growth rate, inflation rate, interest rate and exchange rate. The data for 25 private commercial banks from Bangladesh over the period of 2012 to 2019 have been analyzed. Overall, the findings are satisfactory. The capital adequacy ratio, asset management ratio and GDP growth rate are found to have significant positive impact on ROA and ROE of the private commercial banks in Bangladesh. The asset quality, liquidity and deposit ratios also have a significant positive impact on ROE; and an insignificant positive impact on ROA. The cost to income ratio and bank size both have a negative association with ROA and ROE. These imply some sort of scale inefficiencies and problems in minimizing costs associated with increasing equity. The conclusion prioritizes that the financial sector authority in Bangladesh should continue their current role towards having a sustainable banking industry and thus having the economic growth, welfare and prosperity of the nation.
机译：本文试图调查孟加拉国私营商业银行的盈利能力的决定因素。资产回报（ROA）和股权返回（ROE）是本研究中已用于表示盈利能力的两个重要变量。该研究被认为是一套独立的变量，如银行特定因素，包括银行规模，资本充足，资产质量，流动性，存款，资产管理，运营效率;和宏观经济因素，如GDP增长率，通货膨胀率，利率和汇率。已经分析了2012年至2019年孟加拉国25家私营企业的数据。总的来说，调查结果令人满意。发现资本充足率，资产管理比率和GDP增长率对孟加拉国私营商业银行的ROA和ROE具有显着的积极影响。资产质量，流动性和矿床比率对獐藤产生显着的积极影响;对ROA有微不足道的积极影响。收入比和银行规模的成本都与ROA和ROE具有负面关联。这些暗示了一些规模效率低下和问题，以最大限度地降低与越来越股权相关的成本。结论优先于孟加拉国的金融部门管理局应继续其目前致力于拥有可持续的银行业，因此拥有国家的经济增长，福利和繁荣。

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