연구정보
[경제] Lending Rate Behavior in Bangladesh: Some Facts and Determinants
방글라데시 국외연구자료 연구보고서 - Bangladesh Bank 발간일 : 2020-08-19 등록일 : 2022-01-27 원문링크
The intention of this study is to identify the determinants of the lending rate in Bangladesh. Empirical estimation by Ordinary Least Square (OLS) method using quarterly data from 2010 to 2018 show that bank deposit rates i.e., cost of fund is one of the main determining factors that affect the lending rate of all banks in Bangladesh. Empirical Analysis derived from OLS showed that both 3-year and 5-year national savings directorate (NSD) rates do not have any impact on the lending rate for all groups of banks except for the State Owned Commercial Banks (SCBs). The SCBs and Foreign Commercial Banks (FCBs) adjust lending rates with inflation while Specialized Banks (SPBs) and Private Commercial Banks (PCBs) do not adjust inflation with the lending rate. Non-performing loans matter for only SCBs although appears with the wrong sign. FCBs and SCBs consider repo and reverse repo policy rates while determine the lending rates. Besides, an empirical investigation and also data analysis suggest that the highest level of the lending rates that do not affect the private sector credit lies within the range of 9.91-10.0 percent above which the private sector credit growth may be affected adversely in Bangladesh.
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