Abstract

This article covers the need for ethical norms and identifies ethical difficulties that arise in credit sections of the private banking industry in Bangladesh. A research sample of 25 commercial banks has been included, and 239 questionnaires were accepted as a sample for the purpose of estimation and hypothesis development. The variables included are qualitative in nature. Linear regression model was used for data analysis. The dependent variable is the challenge level in credit department, and the independent variables are sales target, higher authority pressure, central bank and government regulation, unethical financial incentive, and request from acquaintances. The findings show that there is a significant influence on the challenge level of credit department by sales target, higher authority pressure, central bank and government regulation, and unethical financial incentive. Therefore, it is recommended that banks increase their focus on upholding the code of conduct, thereby enhancing ethical standards for long-term profitability and improved customer satisfaction.