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

Author: Grafiati

Published: 28 May 2022

Last updated: 29 May 2022

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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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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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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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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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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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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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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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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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Хамитхан, Н., Н. В. Кабашева, N. Khamithan, and N. Kabashеva. "Topical issues of building a "strong banking system" in interbank competition: analysis and e." Вестник Казахского университета экономики, финансов и международной торговли, no. 3(40) (September 25, 2020): 140–48. http://dx.doi.org/10.52260/2304-7216.2020.3(40).16.

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Мақалада банк секторының бәсекеге қабілеттілігін және қаржылық тұрақтылығын арттыру мақсатында қажетті талаптарға сәйкес болмауын анықтау мәселесі туындап отыр. Сол себебті, ҚР банк секторы сапалы өнім ұсыну мен қызмет көрсету мақсатында бәсекеге қабілеттілікте «күшті банк жүйесін» құрудағы қаржылық инновациялардың өзгерістерін бағалау үшін Д. Синки "ФОКУС" («ҚАККТ») тұжырымдамасына сүйене отырыпбанк активтерін басқару сапасын арттыру қажеттілігі туындады. Банк активтерін басқару сапасы активтердің өтімділігімен (кредит портфелінің сапасына) тікелей байланысты. Зерттеу объектісі ретінде банк с

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Wright, William F. "Task Experience as a Predictor of Superior Loan Loss Judgments." AUDITING: A Journal of Practice & Theory 20, no. 1 (2001): 147–55. http://dx.doi.org/10.2308/aud.2001.20.1.147.

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An area of significant importance and risk exposure during an audit of a financial institution is assessing the uncollectible portion of the client's loan portfolio. Auditing the collectibility of a commercial loan can be difficult because this complex judgment is semi-structured and many kinds of information can be relevant. However, timely judgment process and outcome feedback are available and may improve the quality of an auditor's conclusions over time. Therefore, to test for the benefits of task-specific experience, I compare loan judgments provided by inexperienced seniors, experienced

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Biringanine, Alexis Nyamugira. "Understanding the Scope of the Institutional Transformation within the Microfinance Sector: Evidence from Sidian Bank in Kenya." Perspectives on Global Development and Technology 19, no. 4 (2020): 449–78. http://dx.doi.org/10.1163/15691497-12341565.

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Abstract This article investigates the impact of the change in the legal status of a microfinance institution on its social and financial performance. It uses a case study with a strong emphasis on both quantitative and qualitative approaches to understand the stakeholders’ perceived value of transformation. The results from the study reveal that transformation significantly improves the profitability and the efficiency of Sidian Bank, and in addition, improves the quality of its portfolio. However, we found that transformation has altered significantly the social objectives of Sidian Bank by

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Pohorelenko, N. P., and A. Y. Yurchenko. "Evaluating the Processes of Management of Credit Portfolio of JSC CB «PrivatBank»." Business Inform 10, no. 513 (2020): 325–32. http://dx.doi.org/10.32983/2222-4459-2020-10-325-332.

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The article is aimed at studying the status and structure of the credit portfolio of JSC CB «PrivatBank», also evaluating the processes of management of the bank’s credit portfolio through the computation of the coefficient of credit portfolio management efficiency. While analyzing financial indicators, a consideration and a research of the status of bank lending in modern conditions of the national economy of Ukraine were carried out. The reasons for reducing the proportion of the credit portfolio in the GDP structure during the research period are summarized. The fundamental principles of th

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Oino, Isaiah. "Do disclosure and transparency affect bank’s financial performance?" Corporate Governance: The International Journal of Business in Society 19, no. 6 (2019): 1344–61. http://dx.doi.org/10.1108/cg-12-2018-0378.

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Purpose The purpose of this paper is to examine the impact of transparency and disclosure on the financial performance of financial institutions. The emphasis is on assessing transparency and disclosure; auditing and compliance; risk management as indicators of corporate governance; and understanding how these parameters affect bank profitability, liquidity and the quality of loan portfolios. Design/methodology/approach A sample of 20 financial institutions was selected, with ten respondents from each, yielding a total sample size of 200. Principal component analysis (PCA), with inbuilt abilit

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Ikenna, Dr Egungwu,, and Egungwu Ngozi Ursula. "INTELLECTUAL CAPITAL AND CORPORATE PERFORMANCE IN NIGERIA BANKS." American Journal of Finance 1, no. 5 (2017): 78. http://dx.doi.org/10.47672/ajf.242.

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Purpose: This study is on the interaction between corporate performance variables and Intellectual capital effectiveness of selected banks in Nigeria. Intellectual capital has been variously defined as knowledge capital employed in an organization to improve the value creation ability of the organization. It has attracted the attention of researchers especially in developed economies.Methodology: The study adopted ex-post-facto research design on a time series data spanning 10 years (2006-2015). The sampling technique was purposive sampling and data were drawn from the financial statements of

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Kleban, Yurii, and Nataliia Horoshko. "IDENTIFICATION OF THE BANK’S DEFAULT CLIENTS BY MACHINE LEARNING METHODS ON THE BASIS OF BINNING." Economic Analysis, no. 31(1) (2021): 133–42. http://dx.doi.org/10.35774/econa2021.01.133.

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Introduction. In the current global crisis, the problem of the quality of banks’ loan portfolios is a topical issue. Among the methods of effective credit risk management is the assessment of the borrower’s creditworthiness. Improving the quality of analysis of the strengths and weaknesses of the counterparty will reduce the occurrence of unforeseen risks in the process of conducting credit operations. Given the importance of the role of creditworthiness assessment for decision-making, there is a need to improve and choose a methodology that will ensure the most accurate classification of the

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Мандрон, В. В., А. Ю. Ефименко, and Д. Г. Свиридов. "Trends and problems of retail Bank lending in modern conditions on the example of «Sberbank of Russia»." Voprosy regionalnoj ekonomiki, no. 45(4) (December 15, 2020): 156–65. http://dx.doi.org/10.21499/2078-4023-2020-45-4-156-165.

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Эффективное развитие механизмов кредитования физических лиц оказывает положительное влияние не только на рынок недвижимости, автомобильную промышленность, потребительский рынок, но и на темпы развития банковской системы, что значительно влияет на рост национальной экономики и улучшает качество жизни населения РФ. Исследование посвящено ключевым тенденциям и проблемам функционирования рынка розничного кредитования в современных условиях. Определены главные проблемы, которые оказывают существенное влияние на организацию рынка розничного кредитования, его объемы и качество. Проведен анализ данных

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LUTSIV, Bohdan. "DEFIBRILLATORS OF EXPECTED MINES IN THE DEVELOPMENT OF THE BANKING SYSTEM OF UKRAINE: LESSONS OF THE CRISIS." WORLD OF FINANCE, no. 3(60) (2019): 26–36. http://dx.doi.org/10.35774/sf2019.03.026.

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Introduction. The effective functioning of the banking system determines the stability of the monetary market in the country. Stability and transparency of functioning and effective management are a guarantee of growth of deposits and attractiveness for investors. However, in recent years, the Ukrainian banking system is in a state of recession and does not fulfil the functions assigned to it. This led to the need for a so-called “purge” of the banking system and led to significant losses for both banks and for all the country’s economists. The instability that resulted from the crisis has cau

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Samuel, Elizabeth M. "Comparative Performance Evaluation of Selected Commercial Banks in India using CAMELS Rating Model." International Journal of Global Sustainability 2, no. 1 (2018): 24. http://dx.doi.org/10.5296/ijgs.v2i1.12576.

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Sound financial health of a bank is the guarantee not only to its depositors but is equally significant for the shareholders, employees and whole economy as well. As sequel to this maxim, efforts have been made from time to time to measure the financial position of each bank and manage it efficiently and effectively.Indian banking sector widely includes commercial, nationalized, co-operative, private and international banks in its fold. In the present study an attempt is made to evaluate the financial performance of three major commercial banks (IOB, Canara Bank and Syndicate Bank) using CAMEL

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Miroshnichenko, Tat'yana, and Evgeniya Krinichnaya. "Agricultural credit consumer cooperation as a tool for financial inclusiveness in the village." Agrarian Bulletin of the 211, no. 08 (2021): 75–87. http://dx.doi.org/10.32417/1997-4868-2021-211-08-75-87.

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Abstract. Increasing the level of income and quality of life of the rural population, the creation of comfortable conditions for his residence and ensuring financial inclusiveness is the priority direction of modern state policy. The purpose of the study is an analysis of the state and trends in the development of agricultural credit consumer cooperation, as well as the substantiation of the areas of its further development in the context of increasing financial inclusiveness in the village. Methods. The theoretical and methodological base of the study was the scientific works of domestic and

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BELIKOVA, Tetiana, and Marharyta PUSHKINA. "Methods for analyzing the quality of a banks loan portfolio." Economics. Finances. Law, no. 4/1 (April 30, 2020): 35–40. http://dx.doi.org/10.37634/efp.2020.4(1).8.

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Lending is one of the major banking institutions. But lending has some risks of varying degrees. The main purpose of banks is to repay loans and to maximize profits. To do this, banks need to implement an efficient, flexible and modern credit portfolio quality management system. An important element of this system is the analysis of the quality of the loan portfolio. That is why the consideration of the methods by which banks can carry out this analysis is a very actual topic. The purpose of this paper is to review methods of analyzing the quality of a bank's loan portfolio, as well as to outl

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Shamanina, E. I., S. A. Larina, and S. A. Tadevosyan. "Technologies of virtual reality and perspectives of their application in mortgage lending." E-Management 5, no. 1 (2022): 59–68. http://dx.doi.org/10.26425/2658-3445-2022-5-1-59-68.

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The article discusses issues related to the development trends of the Russian mortgage lending market, reveals the essence and substantiates the relevance of the introduction of virtual technologies in the process of providing mortgage loans. The main purpose of the study is to analyze current trends in the Russian mortgage lending market, identify existing problems in the process of providing mortgage loans, and develop proposals for further development and improvement of this type of lending. Particular attention during the study was paid to the peculiarities of the use of virtual technologi

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Dutta, Pinky, and Debabrata Das. "Indian MFI at crossroads: sustainability perspective." Corporate Governance 14, no. 5 (2014): 728–48. http://dx.doi.org/10.1108/cg-09-2014-0112.

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Purpose – The purpose of this paper is to examine the factors affecting the financial sustainability of the Indian Micro Finance Institutions (MFIs) post-Andhra Pradesh (AP) crisis Design/methodology/approach – Regression analysis is used to test the significance of the independent variables on the variable of interest, i.e. the operational self-sustainability. Three-stage regression analysis, i.e. Partial F-test, residual analysis and Box–Cox-type transformations is applied to see the impact of the variables on financial sustainability of the Indian MFIs. The study is based on the data of the

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Agasha, Ester, Nixon Kamukama, and Arthur Sserwanga. "The mediating role of cost of capital in the relationship between capital structure and loan portfolio quality." African Journal of Economic and Management Studies 13, no. 1 (2021): 49–61. http://dx.doi.org/10.1108/ajems-02-2021-0084.

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PurposeThe purpose of this paper is to establish the mediating role of cost of capital in the relationship between capital structure and loan portfolio quality in Uganda's microfinance institutions (MFIs).Design/methodology/approachA cross-sectional research design was adopted to collect data and partial least squares structural equation modelling was used to test the study hypotheses.FindingsCost of capital partially mediates the relationship between capital structure and loan portfolio quality. Hence, cost of capital acts as a conduit through which capital structure affects loan portfolio qu

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Velikiy, Yu, K. Netudyhata, and T. Pigar. "EXPRESS DIAGNOSTICS OF BANK LOAN PORTFOLIO QUALITY." Agrosvit, no. 21 (November 23, 2019): 22. http://dx.doi.org/10.32702/2306-6792.2019.21.22.

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Artemenko, Dmytro. "Assessment of Leading Indicators of State Regulatory Policy in the Banking Sector." Herald of the Economic Sciences of Ukraine, no. 1(40) (2021): 147–52. http://dx.doi.org/10.37405/1729-7206.2021.1(40).147-152.

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The article, based on the generalization of domestic and international experience in assessing the leading indicators of regulatory policy in the banking sector, formed proposals to determine the financial condition and risk of bankruptcy of the bank. It is proposed to supplement prudential banking supervision, based on tracking the economic standards of individual banks, with models of discriminant analysis for a comprehensive determination of the financial condition and risk of bankruptcy of banks. The built-in reference matrix of discriminant analysis of the level of financial condition and

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Osadcha, N. V., and D. M. Artemenko. "Assessment of the Target Criterion and Leading Indicators of Regulatory Influence in the Banking Sector." Management of Economy: Theory and Practice. Chumachenko’s Annals, no. 2020 (2020): 68–81. http://dx.doi.org/10.37405/2221-1187.2020.68-81.

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The article defines the essence and methods of measuring the target criterion and leading indicators of regulatory influence in the banking sector. It is proposed to supplement prudential banking supervision, based on tracking the economic standards of individual banks, with models of discriminant analysis for a comprehensive assessment of the financial condition and risk of bankruptcy of banks. The use of the built-in reference matrix of discriminant analysis of the level of financial condition and the degree of risk of bankruptcy of the bank, as leading indicators of regulatory impact, will

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Bound, Sally A. "Managing Crop Load in European Pear (Pyrus communis L.)—A Review." Agriculture 11, no. 7 (2021): 637. http://dx.doi.org/10.3390/agriculture11070637.

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Reducing levels of fruit set is often desirable in many European pear (Pyrus communis L.) cultivars. With a negative linear relationship between crop load and fruit size, crop load management early in the season minimises wastage of tree carbohydrate resources and provides maximum benefits in terms of fruit size and quality. There are several tools available for managing crop load including hand thinning, chemical thinning, photosynthetic inhibition through shading or application of chemicals, mechanical thinning and pruning. While hand thinning is the most accurate method of reducing excessiv

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Driga, Imola, and Codruta Dura. ""Loan-portfolio Quality And Managerial Efficiency In Banking "." Annales Universitatis Apulensis Series Oeconomica 2, no. 17 (2015): 22–30. http://dx.doi.org/10.29302/oeconomica.2015.17.2.2.

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Cotugno, Matteo, Valeria Stefanelli, and Giuseppe Torluccio. "Relationship lending, default rate and loan portfolio quality." Applied Financial Economics 23, no. 7 (2013): 573–87. http://dx.doi.org/10.1080/09603107.2012.744133.

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Febrina, Dian. "Analisis Pengaruh Portofolio Kredit Terhadap Kualitas Kredit dan Profitabilitas pada BPR Konvensional di Riau." Jurnal Daya Saing 3, no. 1 (2017): 1–11. http://dx.doi.org/10.35446/dayasaing.v3i1.75.

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Abstract: The present research was conducted at Riau Province. The purpose of this research is to influence of credit portfolio to non perfoming loan (NPL) and profitability (ROA) in Bank Perkreditan Rakyat (BPR) Convensional in Riau. The population of this research is a Bank Perkreditan Rakyat Convensional from annual report are listed in Perbarindo Riau during 2009-2013 with the number of saturation samples are 33 BPR in Riau. This research apply on using portofolio credit based on a type of used that is working capital loan, investment loan and consumer loan as an exogenous variable, credit

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Lucas, Deborah, and Robert L. McDonald. "Bank portfolio choice with private information about loan quality." Journal of Banking & Finance 11, no. 3 (1987): 473–97. http://dx.doi.org/10.1016/0378-4266(87)90044-6.

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Madura, Jeff, and Emilio R. Zarruk. "Information effects of loan portfolio quality on bank value." Journal of Economics and Finance 16, no. 1 (1992): 27–40. http://dx.doi.org/10.1007/bf02919791.

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Ermolenko, O. M. "MINIMIZING CREDIT RISK AND IMPROVING THE QUALITY OF THE CREDIT PORTFOLIO OF THE COMMERCIAL BANK." Scientific bulletin of the Southern Institute of Management, no. 2 (June 30, 2017): 18–23. http://dx.doi.org/10.31775/2305-3100-2017-2-18-23.

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The article examines the main factors shaping the credit risk and defines the role of credit risk in the process of formation of a credit portfolio of commercial banks. In conditions of instability and financial uncertainty, credit institutions are faced with risks, including credit, because credit operations occupy the largest share in their activities. The quality of loan portfolio determines the capabilities of the Bank in its functioning on the market of credit products, which affects the level of lending activity and the possibility of recovery in the credit market. The process associated

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Tchakoute-Tchuigoua, Hubert, and Issouf Soumaré. "The effect of loan approval decentralization on microfinance institutions' outreach and loan portfolio quality." Journal of Business Research 94 (January 2019): 1–17. http://dx.doi.org/10.1016/j.jbusres.2018.09.021.

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Muhanji, Geoffrey Indeje, and Joseph Theuri. "Bank Regulation and Level of Non performing Loans in Commercial Banks in Nakuru County Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 2, no. 2 (2020): 59–76. http://dx.doi.org/10.35942/ijcfa.v2i2.132.

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The study sought to determine the effect of bank regulation and level of nonperforming loans in commercial banks in Nakuru County Kenya. The specific objectives of the study were to explore the effect of capital adequacy on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to find out the effect of asset quality on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to evaluate the effect of liquidity management on the level of nonperforming loans in commercial banks in Nakuru County Kenya, to examine the effect of management efficiency on th

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Trabelsi, Mohamed Ali, and Naama Trad. "Profitability and risk in interest-free banking industries: a dynamic panel data analysis." International Journal of Islamic and Middle Eastern Finance and Management 10, no. 4 (2017): 454–69. http://dx.doi.org/10.1108/imefm-05-2016-0070.

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Purpose The purpose of this paper is to examine whether Islamic finance could replace or complement the traditional financial system and could guarantee stability in times of crisis. Design/methodology/approach To achieve the aim, the authors examined both risk-taking and profitability of 94 Islamic banks (IBs) operating in 18 countries observed during the 2006-2013 financial crisis period. A series of bank-specific and other country-specific indicators are combined to explain profitability of IBs as measured by return on assets and return on equity, and risk divided into credit risk measured

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Azizova, Kateryna. "COMPREHENSIVE ASSESSMENT OF THE QUALITY OF THE BANK’S LOAN PORTFOLIO." European Journal of Economics and Management 6, no. 2 (2020): 130–40. http://dx.doi.org/10.46340/eujem.2020.6.2.16.

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Sifrain, Rocheny. "Factors Influencing Loan Portfolio Quality of Microfinance Institutions in Haiti." Journal of Financial Risk Management 11, no. 01 (2022): 95–115. http://dx.doi.org/10.4236/jfrm.2022.111005.

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Sá, Nadiejda Deane, Ana Carolina Zoghbi, and Rafael Terra de Menezes. "Impacts of loan-to-value ceilings in the Brazilian mortgage loans." Economia Aplicada 24, no. 3 (2020): 319–42. http://dx.doi.org/10.11606/1980-5330/ea153614.

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This study aims to assess the impact of loan-to-value ceiling applied by Resolution BCB No. 4,271 on the mortgage market in September 2013. Based on public aggregated data, we assessed the effect of the regulatory change on the loan-to-value and on quality of the portfolio using impact evaluation techniques that aim to estimate true causal effects. Results suggest the intervention did not reduce total mortgage loans. Interrupted time series and differences-in-differences estimates show statistically significant effects on the quality of the portfolio measured by the proportion of poorly rated

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Prokopowicz, Dariusz. "THE IMPLEMENTATION OF AN INTEGRATED CREDIT RISK MANAGEMENT IN OPERATING IN POLAND COMMERCIAL BANKS." International Journal of New Economics and Social Sciences 2, no. 2 (2015): 83–95. http://dx.doi.org/10.5604/01.3001.0010.3866.

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Since the late 90-th the value of an integrated credit risk management in commercial banks operating in Poland has become very actual. In classical terms, the integrated risk management is the identification and valuation of certain categories of bank risks associated with their activities. The using of modern information systems helpes to improve the integration of the various business segments in the banks and develope a model for risk management portfolio. The implementation of integrated risk management in relation to the loan portfolio improved process control assets of banks. Thus, a com

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Agasha, Ester, Gladness Monamesti, and Tshepo Feela. "Loan Portfolio Quality of Microfinance Institutions in Uganda: A Qualitative Assessment." Journal of Financial Risk Management 09, no. 02 (2020): 155–77. http://dx.doi.org/10.4236/jfrm.2020.92009.

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Simonin, Irving, Marc Brooks, and Luis Enrique Nieto Barajas. "Portfolio recommendations to improve risk of default in microfinance." CIENCIA ergo sum 28, no. 1 (2020): 1–7. http://dx.doi.org/10.30878/ces.v28n1a6.

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This article presents an exciting application of machine learning for loan origination in microfinance. Microfinance targets people who cannot build a credit history and therefore cannot access loans from banks or other financial institutions. We use data from a Mexican microfinance company that operates in several regions throughout the country. The objective is to guide intermediate lenders to choose their clients and achieve a lowerr credit default risk. We use several statistical models such as principal component analysis, clustering analysis and a regression tree. We obtain, as a result,

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Rutkauskas, Aleksandras Vytautas, and Gitana Dudzevičiūte. "FOREIGN CAPITAL AND CREDIT MARKET DEVELOPMENT: THE CASE OF LITHUANIA." Journal of Business Economics and Management 6, no. 4 (2005): 219–24. http://dx.doi.org/10.3846/16111699.2005.9636111.

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There have been wide-ranging discussions on whether the investments of foreign banks into the banking sector of the Central and Eastern Europe countries (CEE) lead to greater competition and increase of the loan portfolio of the banks. Several empirical works have shown that a high proportion of foreign capital in the banking sector of CEE countries has generally positive effects on the quality and amount of loan portfolio of the banking sector, but there may also be some adverse effects. Lithuania has an open economy and the credit market is open to international banking competition. The loan

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Repina, Sebastijan, and Mejra Festic. "The up-coming crisis and loan portfolio quality in Romania and Bulgaria." International Journal of Business Environment 3, no. 4 (2010): 445. http://dx.doi.org/10.1504/ijbe.2010.037601.

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Adzobu, Lydia Dzidzor, Elipkimi Komla Agbloyor, and Anthony Aboagye. "The effect of loan portfolio diversification on banks’ risks and return." Managerial Finance 43, no. 11 (2017): 1274–91. http://dx.doi.org/10.1108/mf-10-2016-0292.

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Purpose The purpose of this paper is to test whether diversification of credit portfolios across economic sectors leads to improved profitability and reduced credit risks for Ghanaian banks that have been characterized by high non-performing loans in recent times (IMF, 2011). Design/methodology/approach Static and dynamic estimations, namely Prais-Winsten, fixed and random effect estimators, feasible generalized least squares as well as the system generalized methods of moments are employed on the annual data of 30 Ghanaian banks that operated between 2007 and 2014 to determine the effect of l

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Kizi, Uktamova Nozima Narzulla. "The Problems of Increasing the Income and Quality of Assets of Commercial Banks." International Journal for Research in Applied Science and Engineering Technology 9, no. 12 (2021): 1090–94. http://dx.doi.org/10.22214/ijraset.2021.39481.

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Abstract: This article examines the composition of the assets of commercial banks, its profitability, the quality of bank assets and the factors affecting it. In addition, the existing problems were studied through the analysis of the profitability and quality of banks' assets, and conclusions and recommendations were developed to address them. Keywords: asset, income, efficiency, profitability, asset quality, loan portfolio, profit, investment

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Beltrame, Federico, Luca Grassetti, Maurizio Polato, and Giulio Velliscig. "The impact of ECB loan valuation metrics on third-party loan pricing: A EU firm perspective." Risk Governance and Control: Financial Markets and Institutions 10, no. 2 (2020): 45–52. http://dx.doi.org/10.22495/rgcv10i2p4.

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This paper delves into the implications for the bank behaviour about firm loan pricing conditions of the new direction undertaken by supervisory and regulatory authorities in the aftermath of the deterioration of the loan portfolio quality that hit EU banks. The 2014 AQR exercise embraces the new direction and extensively uses debt service coverage measures to assess a firm’s loan quality. We, therefore, check whether the DSCR has influenced debt pricing conditions by analysing a panel of 655 listed EU firms from 2009 to 2017. Our findings show that Z-score is unable to discriminate between hi

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Rachuba, Joanna. "The quality of loan portfolio in Polish banking sector during the period 2009-2016." Zeszyty Naukowe Uniwersytetu Szczecińskiego Finanse Rynki Finansowe Ubezpieczenia 91 (2018): 455–63. http://dx.doi.org/10.18276/frfu.2018.91-37.

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