ABSTRACT Using probit regression model on primary data, this study reveals that level of educational qualification, value of asset owned and individual’s monthly income, and being married have a positive and significant impact on account opening decision, whereas the value of asset owned, monthly income, number of earning members in the family, and being male and married have a positive and significant impact on the frequency of using banking services in rural area of Bangladesh. Furthermore, fixed effect estimation results on branch-level monthly panel data reveal that branch size, deposit and remittances positively and significantly affects profitability, whereas expense management affects negatively.

中文翻译：

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银行分支机构的扩张和盈利能力：对孟加拉国部分农村分支机构的研究

摘要使用基于原始数据的概率回归模型，该研究表明，受教育程度，资产拥有的价值和个人的月收入以及结婚对开户决策有积极而显着的影响，而资产拥有的价值，月收入，家庭中有收入的成员的数量以及成年和已婚对孟加拉国农村地区使用银行服务的频率产生积极而重大的影响。此外，对分支机构级月度面板数据的固定影响估计结果表明，分支机构规模，存款和汇款对利润率有积极影响，并显着影响利润率，而费用管理则对消极影响。