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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.

Market Concentration, Bank’s Pricing Power, and Deposit Rates: Evidence from Dual Banking System