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Probashi Kallyan Bank Himalayan Economics and Business Management Open Access Research Article Specialized Banks’ Performance Analysis and Impact of Bank Size: A study on Bangladesh Krishi Bank (BKB) & Probashi Kallyan Bank Md. Monzur Hossain*¹ Mst. Rinu Fatema² and Md Shafiul Hossain³ 1Lecturer, Department of Finance and Banking, Comilla University, Cumilla, Bangladesh 2Assistant Professor, Department of Tourism and Hospitality Management, Noakhali Science and Technology University, Noakhali, Bangladesh 3BBA, Department of Accounting & Information Systems, University of Dhaka, Bangladesh Abstract: The inspiration steers behind this workout is to weigh up the financial *Corresponding Author performance of Specialized Banks of Bangladesh based on their financial attributes Md. Monzur Hossain especially prioritizing the financial proportions as specialized banks are playing pivotal in financial advancement of Bangladesh. Two particular banks out of three are picked for this Article History research. This paper presents the through scrutinization of financial performance for the Received: 25.12.2020 period 2015–2019 by enacting financial proportions (ratio). The proportions which have Accepted: 12.01.2021 been taken into consideration are the bank's deposit, credits, total assets, shareholders’ Published: 20.01.2021 equity, ROE, ROD, ROA, ROI, profit margin ratio and interest income. Simple linear regression is taken to test the effect of bank size on the financial execution of these Citations: aforesaid Financial Institutions. The investigation unleashed that the banks maintaining higher deposit, credits, or assets don't generally imply that has better benefit execution. The Md. Monzur Hossain Mst. Rinu Fatema and Md Shafiul Hossain (2021); examination additionally acknowledged the two hypotheses and found that the financial Specialized Banks’ Performance performance of these banks is emphatically affected by the bank size. Analysis and Impact of Bank Size: A study on Bangladesh Krishi Bank Keywords: Specialized Banks, Total Assets, Interest Income, Financial Performance, Size. (BKB) & Probashi Kallyan Bank. Hmlyan Jr Eco Bus Mgn; 2(1) 1-13. development in future. In this case, the financial NTRODUCTION I indicators are determined from the financial statements In the case of business organizations, it is of the banks at the year-end. ROD, ROA, ROE are the considered that the banking sector is one of the main common financial indicators used by most of the sources of finance. The most common assumption in financial institutions where the banks’ assets and financial performance researches is that when financial income are considered. It is assumed here that there is a performances increase, it comes up with improved positive correlation between the size of the bank and the financial functions and activities in the organization. size of income from interest. That’s why it is concluded The subject of the research mainly goes upon the fields that the institutional size has a significant impact on of finance and management. It is argued that ‘institution organizational performance. Thus, the study is done by size’ is a principal factor that performs a vital role in the introducing the banking sector and developing the study case of improving the financial performances of the objectives. Afterwards, some relevant literature is institutions. There has been few research papers reviewed and the research hypothesis is determined published on the impact of this principal factor on thereon. Along with this, the section on the limitations financial performance where it is rarely done on the of the study is also added with relevant points. Research specialized banks in Bangladesh. methodologies are also determined later on and using those methodologies, data collection and analytical The study hypothesizes that the linkage between the discussion on the findings and results are included factor ‘bank size’ and financial performance is afterwards. Finally, the study is concluded with a brief determinable. This study has the objective of analyzing discussion of the study and its results. the financial data from 2015-2019 of different commercial banks in Bangladesh and concluding the Banking Industry in Bangladesh ultimate impact of the size of the banks on their interest After independence, banking industry of Bangladesh income. In this study, a comparison made among the started its excursion with six popular nationalized performances of the banks and they are ranked in terms banks, three specialized banks claimed by the State, and of it. nine foreign banks. With the passage of private banks, the banking sector achieved enormous growth in the That’s why the study goes intending to classify the 1980s. At present, Bangladeshi banks are basically of specialized banks in Bangladesh in terms of their two kinds: financial indicators’ indications. These can also be used in further financial analysis as a guideline for 14 Md. Monzur Hossain, et al., Hmlyan Jr Eco Bus Mgn; Vol-2, Iss- 1 (Jan-Feb, 2021): 14-22 A.Scheduled Banks: The banks remaining in the The financial output is considered in inspecting the rundown of banks held under the 1972 Bangladesh relationship between the size of specialized banks Bank Order. determined by the size of total assets and the size b.Non-Scheduled Banks: However, the banks that are of interest income. set up with a clear and constructive purpose and run under any demonstration are not the Scheduled Banks. LITERATURE REVIEW All the elements of expected banks can't be played out Financial performance s of the financial institutions by those banks. including commercial banks is done through different ratio analysis, budget versus performance analysis, There are 59 scheduled banks in Bangladesh benchmarking and mix of all of these techniques. In the functioning under the full supervision and oversight of case of financial institutions in Bangladesh, they use to Bangladesh Bank which is devoted to doing so because publish various financial ratios which indicate the of the 1972 Bangladesh Bank Order and the 1991 Bank performance efficiency of the financial institutions. Company Act. Anticipated Banks present the following types: There are some limitations of the financial i. State-Owned Commercial Banks (SOCBs): indicators discussed in various accounting literature There are 6 SOCBs which become entirely or although those financial ratios like the return of assets substantially claimed by the Government of (ROA), the return of deposit (ROD), return on equity Bangladesh. (ROE), etc. rank the commercial banks in a relevant ii. Specialized banks (SDBs): 3 separate banks way. Bank performance reflects on the interest income that have been set up for specific purposes such and bank size reflects on the total assets. These two are as the agrarian or modern turn of events are studied here to identify the relation between them. currently operating. Likewise, these banks are entirely or substantially claimed by the The monetary presentation of banks and other Government of Bangladesh. monetary pillars has, for the most part, been calculated iii. Private Commercial Banks (PCBs): There is using a combination of inquiry of monetary dimensions, mainly 41 private business banking that tells benchmarking, calculating execution against considerably about people/private substances. It expenditure schedule or a mixture of these techniques is feasible to organize PCBs into two sessions: (Avkiran, 1995). The fiscal accounts of the frequently Conventional PCBs: 33 ordinary PCBs are circulated banks in Bangladesh contain an array of currently involved in the business. In customary monetary proportions meant to be a symbol of the architecture i.e., interest-based operations, we company's show. play out the financial capabilities. Islami Shariah-based PCBs: In Bangladesh, There are impediments relating to the use of such there are 8 Islami Shariah-based PCBs and they monetary proportions, as is understood in accounting. conduct banking exercises, such as Profit Loss Nevertheless, in this study, the ROA proportion of the Sharing (PLS) mode, as per Islami Shariah- interest pay size is used to quantify the execution of based standards. commercial banks in Bangladesh. To explore the iv. Financial Commercial Banks (FCBs): In relations between them and the monetary introduction, Bangladesh, 9 FCBs act as components of the tools of the board, the bank scale, and banks which are consolidated abroad. organizational effectiveness are used together. Bangladesh now has five non-scheduled banks, In essence, much of the latest writing on bank which are: execution presents the purpose of monetary associations Ansar VDP Unnayan Bank, as that of achieving acceptable returns and minimizing Karmashangosthan Bank, the risks required to achieve this return (Hempel G. Grameen Bank, Coleman, 1986). The relation between danger and Jubilee Bank, return is mostly understood, i.e. the higher the risk, the Palli Sanchay Bank higher the usual return. Therefore, traditional bank execution ratios have calculated all costs and returns. Objectives of the study The major objective of this study is to know about Thabet (1997) completed a study in Kuwait taking the operational efficiency and asset utilization on the the banking customers as a research sample. In the financial performance of the specialized banks in study, he tried to find out the selection factors that the Bangladesh. The specific objectives of the study customers or clients consider while taking a bank-based include: investment
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