http://ar.cou.ac.bd:8080/xmlui/handle/123456789/323 2026-09-06T22:59:59Z http://ar.cou.ac.bd:8080/xmlui/handle/123456789/324 Analyses the Impact of Deposit Growth Rate on Bank Stability: An Empirical study of Commercial Banks in Bangladesh Roni, Mohammad This report highlights how the growth rate of deposits in Bangladesh affects the stability of commercial banks. Currently, private commercial banks are playing a major role in the economic growth of Bangladesh, as they help in the transfer of money between the surplus and the scarce capital. The banking sector controls 17.80% of the market capitalization of the economy. Commercial banks, if well managed, can ensure the growth of the country. Operating efficiency is the term for how well private commercial banks can make the most money while spending the deposit. This study analyzes data from the 2015-2024 ten years of these banks to realize how the deposit growth rate impact on Bank stability. This study looks at how the Deposit Growth Rate (DGR) affects bank stability in Bangladesh's commercial banking industry. The vital role that deposit mobilization plays in guaranteeing liquidity, assisting lending activities, and upholding general financial stability in the banking system is what spurred the study. Understanding this relationship has become more crucial in light of recent variations in deposit growth brought on by inflation, interest rate changes, and economic concerns. In the First part , I address the primary objective and the study's scope, as well as the justification behind choosing this specific topic. Furthermore, I talk about the crucial nature of the study and the challenges I possessed during working on it. In my second part, I explain previous studies related to this topic , identifying gaps in the existing literature. In the third part, describe the sample size , observation ,the variables included, the shorts of data used and the use of software tools for analysis. Using Stata software, the analysis incorporates use of panel data econometric approaches such as linear regression, robust regression, fixed effects model, and FGLS. Bank stability is measured using Z-score, where the key explanatory variables include deposit growth rate (DGR), non-performing loans (NPL), capital adequacy ratio (CAR), loan-to-deposit ratio (LDR), and bank size. In the last part of the study, I have completed a statistical analysis and explained the results. This report provides essential information for bank managers, legislators, and regulators who want to make the banking sector in Bangladesh more stable. Finally, I have suggested a deposit growth rate that will help banks remain stable and operate more efficiently. I will then present the conclusions of this analysis report. 2026-04-20T00:00:00Z