ABSTRACT

This research studies i) the impact of banks pricing power and market concentration on the bank’s deposit rate, ii) if the impact differs for Islamic banks, and iii) the importance of banks power and market concentration while impacting the deposit rates behavior. The sample of this study consists of 120 banks from 2007 to 2018. Banks’ pricing power appears to be reducing the deposit rates and market concentration shows no significant impact on banks’ deposit rate. Pricing power negatively impacts the conventional banks’ deposit rates, while Islamic banks are severely impacted by concentration in the market. The impact of banks’ power on deposit rates is greater in concentrated markets.

摘要

本研究研究 i) 银行定价权和市场集中度对银行存款利率的影响，ii) 如果对伊斯兰银行的影响不同，以及 iii) 银行权力和市场集中度在影响存款利率行为时的重要性。本研究的样本包括 2007 年至 2018 年的 120 家银行。银行的定价能力似乎正在降低存款利率，市场集中度对银行的存款利率没有显着影响。定价权对传统银行的存款利率产生负面影响，而伊斯兰银行则受到市场集中度的严重影响。在集中市场，银行权力对存款利率的影响更大。