Net interest margin (NIM) of a bank depends on several firm-specific factors. The aim of the study was to determine the effect of liquidity risk on the profitability indicating variable NIM of the conventional banks in Bangladesh. Seven banks were analyzed using the annual reports of the banks for the period of 2011 to 2015. Researchers applied descriptive statistics, correlation, and regression analysis to find out the results. The findings of the study provided evidence that cash to asset (CA) ratio had a negative relationship with NIM but a loan to asset (LA) ratio had a positive effect on the NIM. There was also a significant positive relationship between NIM and loan to deposit (LD) ratio. From the regression analysis it was clear that the LD, CA, and LA were able to explain the changes of NIM of the banks. JEL Classifications: G 21

The internal factors of the bank have a great influence on the profitability of the banks. This study is an effort to disclose the effect of bank's internal factors on return on equity (ROE), return on asset (ROA), and net interest margin (NIM) of ten selected commercial banks in Bangladesh for the period of 2011-2015. Researchers used descriptive statistics, correlation and regression analysis as statistics tools to find out the results. The findings from descriptive statistics indicate that Eastern Bank Limited was ranked first regarding profitability. The correlation test found that total equity to total asset ratio (TETA) and cost to income ratio (CIR) significantly affects the ROA whereas loan to deposit ratio had significant positive effect on the NIM of the banks. The regression analysis revealed that the independent variables of the banks were significant enough to explain the variation of the dependent variables (ROA, ROE, and NIM) of the study.

The proliferation of banking sector is an indicator of economic growth in Bangladesh. Conventional Banks as well as the Islamic Banks significantly influence the national economy although there are a number of dissimilarities between the two banking systems. This study was carried out to identify the differences of Conventional and Islamic Banking sectors in terms of ratio analysis. A total of 10 banks in which 5 Conventional and 5 Islamic banks were selected for the study. Some key financial ratios were being used for the analysis. It is found from the study that the Conventional and Islamic Banks had much influence on the national economy as they hold the deposit of general public and invest the funds in profitable projects. The earnings per share (EPS), return on asset (ROA), return on equity (ROE) and return on capital employed (ROCE) were greater in Islamic Banks. It clearly indicates that the Islamic Banks were more profitable and performing a good job in the context of Bangladesh although people preferred Conventional Banking most. JEL Classification Code: G 21