International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 8, Issue 2 (March-April 2026) Submit your research before last 3 days of April to publish your research paper in the issue of March-April.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 8 Issue 2
March-April 2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

A Comparative Performance Analysis between Stated Owned Commercial Banks and Private Commercial Banks Regarding Ancillary Income in Bangladesh

Author(s) Mr. Subroto Das, Prof. Dr. Arabinda Saha, Dr. Md. Nazmul Huda, Prof. Dr. Md. Abdus Sabur, Anindya Saha
Country Bangladesh
Abstract The banking sector in Bangladesh is undergoing rapid transformation due to globalization, technological progress, and financial sector reforms. Non-interest income activities such as service charges, commissions, remittance fees, ATM transactions, card services, and earnings from investment and trading operations are crucial for determining the profitability and sustainability of banks in the country. The study aims to compare the performance of State-Owned Commercial Banks (SOCBs) and Private Commercial Banks in Bangladesh regarding ancillary income, focusing on their importance, performance, and policy implications for the betterment of Bangladeshi banks. This study uses secondary data from various sources, including annual reports, journals, and newspapers, to analyze the performance of selected commercial banks in Bangladesh from 2014 to 2023. The sample includes three state-owned commercial banks and three private commercial banks, out of 43 in Bangladesh. Statistical tools used include mean, variance, co-efficient of variation and paired T-Test (one trail, two tail) to measure comparative performance. The study reveals that PCBs generate better interest and non-interest income than SOCBs, with SOCBs having a stronger operating income due to government services. PCBs also have more uniform investment, commission, exchange, and brokerage income. Modernizing service systems, modernizing product delivery, strengthening corporate governance, and investing in risk management should be incorporated to generate non-interest income.
Keywords Ancillary income, SOCBs, PCBs, Fin-tech
Field Business Administration
Published In Volume 7, Issue 5, September-October 2025
Published On 2025-09-15
DOI https://doi.org/10.36948/ijfmr.2025.v07i05.55892
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI is assigned to each research paper published in our journal.

IJFMR DOI prefix is
10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 8 Isu 2Cover Page Vol 8 Isu 1Cover Page Vol 7 Isu 6

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com
Powered by Sky Research Publication and Journals