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Relevant bibliographies by topics / Improve the quality of loan portfolio

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Journal articles

Academic literature on the topic 'Improve the quality of loan portfolio'

Author: Grafiati

Published: 28 May 2022

Last updated: 29 May 2022

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Journal articles on the topic "Improve the quality of loan portfolio"

1

SOLOVEI, Nadiia, and Ihor SKRYPNYCHENKO. "Problems of qualitative evaluation of commercial bank loan." Economics. Finances. Law, no. 1/2 (January 31, 2020): 15–19. http://dx.doi.org/10.37634/efp.2020.1(2).3.

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The article defines the nature of the loan portfolio, as well as the problems in the assessment and analysis of the commercial bank loan portfolio. In order to improve the existing credit portfolio of the bank, the dynamics, categories of the borrower ratio and the quality of the loan portfolio are analyzed, based on the obtained data, significant factors influencing the formation and management of the analyzed bank's loan portfolio are determined. Generation of a loan portfolio is usually subject to issuance of loans with maximum yield on the same terms. The profitability of a loan transactio

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2

Nderitu Githaiga, Peter. "Revenue diversification and quality of loan portfolio." Journal of Economics and Management 42 (2020): 5–19. http://dx.doi.org/10.22367/jem.2020.42.01.

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Aim/purpose – This paper aims at examining the impact of revenue diversification on the quality of loan portfolio. The interest has been stimulated by the growing appetite for nontraditional activities among banks due to the declining interest income and rising nonperforming loans. Design/methodology/approach – The study considers a sample of 67 countries and quarterly banking sector financial reports over the period 2016Q1-2018Q4.The data are extracted from the International Monetary Fund Financial Soundness Indicators (FSI) database and are analysed through fixed effect regression as support

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3

Bougatef, Khemaies. "How corruption affects loan portfolio quality in emerging markets?" Journal of Financial Crime 23, no. 4 (2016): 769–85. http://dx.doi.org/10.1108/jfc-04-2015-0021.

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Purpose The purpose of this paper is to empirically investigate the impact of corruption on the asset quality of banks operating in emerging market economies over the period 2008-2012. This issue is of crucial importance given the role of banking systems in economic development and the worldwide spread of corruption. Using panel data set of 22 countries, our findings provide a strong and robust support to the hypothesis according to which corruption aggravates the problem with non-performing loans. This evidence suggests that corruption may hinder economic development through the misallocation

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4

Festić, Mejra, Sebastijan Repina, and Alenka Kavkler. "THE OVERHEATING OF FIVE EU NEW MEMBER STATES AND CYCLICALITY OF SYSTEMIC RISK IN THE BANKING SECTOR." Journal of Business Economics and Management 10, no. 3 (2009): 219–32. http://dx.doi.org/10.3846/1611-1699.2009.10.219-232.

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Rapid credit growth has been one of the most pervasive developments in recent years in Central and Eastern Europe. We tested for the significance of macroeconomic and banking sector variables that condition non‐performing loan ratios and the hypothesis of procyclicality between economic activity and improving banking‐sector results in the Baltic States, Bulgaria and Romania. The theory of procyclicality between economic activity and the non‐performing loan ratio was proven. The increased economic activity improved the loan portfolio quality of the banking sector, as indicated by a lower NPL ra

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5

Andre, Kadandji, and Djekna Votsoma. "The Influence of Loan Portfolio Quality on Sound Banking in CEMAC: The Importance of Bank’s Internal and External Environment." International Journal of Economics and Finance 10, no. 7 (2018): 136. http://dx.doi.org/10.5539/ijef.v10n7p136.

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In this article we analyze the relationship between the loan portfolio quality and the soundness of the banking system in the Central African Economic and Monetary Community. The data used concern a panel of 41 banks in 4 countries in the Community for the period 2000 to 2013. For the analysis of the influence of different indicators, we use a model in nested equations. This study shows that taking into account both individual and macroeconomic indicators makes it possible to neutralize the effects of the deterioration of the quality of the credit portfolio on bank soundness. These indicators

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6

Ghosh, Amit. "Determinants of bank loan charge-off rates: evidence from the USA." Journal of Financial Regulation and Compliance 26, no. 4 (2018): 526–42. http://dx.doi.org/10.1108/jfrc-02-2018-0021.

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Purpose Using data on 5,176 commercial banks in the USA for the period 1999Q1-2016Q3, the present study aims to examine the underlying determinants of loan charge-off rates. Design/methodology/approach The study uses panel data fixed-effects estimation methodology. Findings Greater regulatory capital, more diversification, higher profits and cost efficiency reduce charge-off rates. On the contrary, a higher share of loans in banks asset portfolio and a higher share of real estate loans have a detrimental impact on loan performance. Moreover, strong US macroeconomic fundamentals reduce loan cha

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7

Balakrishnan, Karthik, and Aytekin Ertan. "Banks' Financial Reporting Frequency and Asset Quality." Accounting Review 93, no. 3 (2017): 1–24. http://dx.doi.org/10.2308/accr-51936.

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ABSTRACT We examine the effects of banks' financial reporting frequency from 2000 to 2014 and find that quarterly reporting improves their loan portfolio quality. Sample banks experience a relative decrease of about 11 percent in their nonperforming loans after switching to quarterly financial disclosures. Consistent with market discipline enhancing lending practices, these results are stronger in regimes with weaker depositor insurance and external monitoring, and in those with stronger capital markets. We also find that banks that provide quarterly financial information experience lower depo

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8

IVASHCHENKO, Alla, Tetiana HORODETSKA, and Sofiia MELESHKEVICH. "Overview of the current state of consumer lending in commercial banks of Ukraine and its organizational and economic support." Economics. Finances. Law 12, no. - (2021): 22–28. http://dx.doi.org/10.37634/efp.2021.12.5.

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The paper gives the theoretical basis of the peculiarities of the process of consumer lending in commercial banks – defines the economic essence of consumer credit, its objects, tools, stages of implementation and mechanisms for repayment of credit debt. An overview of the current state and development of bank consumer lending in Ukraine is presented. An analysis of the dynamics of assets and loan portfolio of Ukrainian banks, namely: analysis of loans to individuals and analysis of the volume and share of consumer loans in the total loans to individuals in the loan portfolio and assets of ban

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9

Yanenkova, Iryna, Yuliia Nehoda, Svetlana Drobyazko, Andrii Zavhorodnii, and Lyudmyla Berezovska. "Modeling of Bank Credit Risk Management Using the Cost Risk Model." Journal of Risk and Financial Management 14, no. 5 (2021): 211. http://dx.doi.org/10.3390/jrfm14050211.

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This article deals with the issue of managing bank credit risk using a cost risk model. Modeling of bank credit risk management was proposed based on neural-cell technologies, which expand the possibilities of modeling complex objects and processes and provide high reliability of credit risk determination. The purpose of the article is to improve and develop methodical support and practical recommendations for reducing the level of risk based on the value-at-risk (VaR) methodology and its subsequent combination with methods of fuzzy programming and symbiotic methodical support. The model makes

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10

Ushanov, A. E. "Banks in the Context of “New Normality” and the Need to Restructure Business Processes." Economics, taxes & law 11, no. 3 (2018): 38–45. http://dx.doi.org/10.26794/1999-849x-2018-11-3-38-45.

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The reduction by the Bank of Russia of the key rate as a tool for quantitative monetary easing leads to stagnation in the banking sector profitability. The purpose of the research was to disclose the importance of the mainstreaming factors of the banking profits formation. It is shown that the reasons that led to the financial result in 2017 had an unstable, temporary nature. It is revealed that the effect of the bank margin reduction under the “new normality” conditions can be overcome only by increased lending. In the situation when the real quality of a bank loan portfolio does not correspo

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