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Journal articles on the topic 'Portfolio management of mortgage loans'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Banai, Ádám, Edina Berlinger, and Barbara Dömötör. "Adjustable-rate mortgages in the era of global reflation: How to model additional default risk?" PLOS ONE 17, no. 3 (2022): e0263599. http://dx.doi.org/10.1371/journal.pone.0263599.

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We investigate the problem of interest rate risk transforming into default risk of adjustable-rate mortgage loans in the EU. Bank regulation is strikingly not neutral in this aspect, it explicitly favors short-duration adjustable-rate loans over long-duration fixed-rate loans in the framework of the gap management. This asymmetry in the regulation creates perverse incentives both for banks and households, which can lead to aggressive risk-taking, over-indebtedness of unhedged households, high procyclicality of mortgage markets, and increased systemic risks. We present a stress test model to qu

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2

Jalal, El Fadil, and Hessou Helyoth. "The Influence of Loans Weights on the Profitability of Credit Unions." International Journal of Management Sciences and Business Research 11, no. 11 (2022): 14–22. https://doi.org/10.5281/zenodo.7394240.

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<em>Our main research objective is to study the influence of different decisions inherent to the weights given to some types of loans on the profitability of credit unions. The choice of weight given to mortgages and other types of loans can have a determining impact on a loan portfolio’s return and on the risk associated with it. This justifies our study, since a decrease in credit unions profitability would cause a drop in their capital and lead their managers to adjust it, sometimes not in an optimal way. Only few studies having been carried out on these financial institutions an

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3

Wong, Michael C. S., and Ho Ming Ho. "A Framework for Integrating Extreme Weather Risk, Probability of Default, and Loss Given Default for Residential Mortgage Loans." Sustainability 15, no. 15 (2023): 11808. http://dx.doi.org/10.3390/su151511808.

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This paper considers a hypothetical case in which a bank wants to build a routine climate stress test exercise on residential mortgage loans. The bank has regularly updated the probability of default (PD) and loss given default (LGD) on each residential mortgage loan under the internal-rating-based (IRB) approach of Basel II/III. Additionally, the bank estimates the stressed PD and stressed LGD associated with a predetermined extreme weather event. Using simulation techniques, this paper shows that the loss of the bank’s residential mortgage portfolio can reach a median of around 36% of the po

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Parihar, Mr Jayesh, and Prof Megha Bhogawar. "Review Paper- Reverse Mortgage in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 01 (2024): 1–10. http://dx.doi.org/10.55041/ijsrem27949.

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In today's fast paced business environment, banks operating in retail space require a change resilient vertically integrated value chain for delivering the most competitive product and services. This need is redefining the boundaries of a bank's value chain creating greater thrust for the value add, right from the lowest end of the delivery channels. In the loans and advances product space, this requires an integration strategy right from sourcing, evaluating and servicing to collections, recoveries and written-off management. This project elaborate the delivery capability of bank, operating l

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De Luna López, Angela C., Prosper Lamothe-López, Walter L. De Luna Butz, and Prosper Lamothe-Fernández. "A Real Option Approach to the Valuation of the Default Risk of Residential Mortgages." International Journal of Financial Studies 13, no. 1 (2025): 31. https://doi.org/10.3390/ijfs13010031.

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A significant share of many commercial banks’ portfolios consists of residential mortgage loans provided to individuals and families. This paper examines the default and rational prepayment risk of single-borrower (residential) mortgage loans based on an option pricing model that captures the skewness and kurtosis of the house prices returns’ distribution via the shifted lognormal distribution. Equilibrium option-adjusted credit spreads are obtained from the implementation of the model under plausible values of the relevant parameters. The methodology involves numerical experiments, using a sh

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Peng, Yanling, Yuansheng Jiang, and Yu Hong. "Heterogeneous Preferences for Selecting Attributes of Farmland Management Right Mortgages in Western China: A Demand Perspective." Land 11, no. 8 (2022): 1157. http://dx.doi.org/10.3390/land11081157.

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Farmland management right mortgages (FMRMs) are emerging land financing products in China. However, the development of FMRMs and farmers’ demands for them are poorly understood. This study applied an in-the-field choice experiment of 1815 farmers, conducted in China, to examine farmers’ demands for FMRMs and explore their heterogeneous preferences regarding the attributes of FMRMs. Results from the random parameters logit model suggest that farmers are interest-rate sensitive and willing to pay for FMRM products that use farmland management rights as the sole collateral, enabling amortization,

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Lapishko, Mariіa, and Anna Vynnyk. "PROBLEMS OF THE LENDING MARKET OF UKRAINE UNDER THE CONDITIONS OF MARITAL STATE." Problems and prospects of economics and management, no. 3(31) (2022): 180–89. http://dx.doi.org/10.25140/2411-5215-2022-3(31)-180-189.

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Before the start of russia's large-scale invasion the demand for loans in Ukraine was caused by: the improvement of the macroeconomic situation in the country, a decrease in interest rates and gov-ernment programs to support entrepreneurship and mortgage lending. The insolvency of debtors dur-ing the war led to an increase in the volume of overdue loans and, as a result, a deterioration in the quality of banks' loan portfolios.The article systematizes the problems of the lending market that arose due to the military ac-tions in Ukraine, determines the priority of the introduction of anti-crisi

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8

Gunay, Suleyman Gokhan, and Kasirga Yildirak. "Choosing the Appropriate Amount of Mortgage Loan: Risk Based Decision Making." International Journal of Economics and Finance 8, no. 11 (2016): 12. http://dx.doi.org/10.5539/ijef.v8n11p12.

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<p>The main purpose of this paper is to show the way to conduct a risk based mortgage loan choice process for low and middle income households in Turkey. There are several studies that analyze the impact of buying a house decision on an investor’s portfolio, which consists of house, stocks and bonds. In this study, house is treated as a single investment. The probability of defaults for the cash flows based on mortgage payments, rents, down payment and depreciation are calculated in order to find the amount of mortgage loan for a given rent and maturity. Net present values of cash flows

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9

Schneberger, Scott L. "Stater NV: E-Servicing Strategies." Journal of Information Technology 19, no. 2 (2004): 108–16. http://dx.doi.org/10.1057/palgrave.jit.2000014.

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After 2 years of on-line experiments, Tom van Vianen, CEO, felt certain it was time to fully implement STATER NV's new ‘e-servicing’ concept with a cohesive strategy. Established in 1997 in The Netherlands and headquartered in Amersfoort, STATER had 27 business clients and serviced over 80 different mortgage portfolios of more than 450,000 mainly residential loans in the Netherlands, Belgium, and Germany. Their mortgage service operations and information systems were considered state-of-the-art in 2002, but they were moving business on-line while simultaneously increasing the types of services

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Shulga, Alexey E., and Sergey Е. Barykin. "EVOLUTION OF MORTGAGE BORROWER CREDIT RISK ASSESSMENT: FROM TRADITIONAL METHODS TO DIGITAL TWIN." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3/1, no. 156 (2025): 126–34. https://doi.org/10.36871/ek.up.p.r.2025.03.01.014.

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In the context of rapid development of the banking sector and changes in the technological sphere of the financial sector, the relevance of the subject of research is determined by the need to improve the existing approaches to credit risk management using modern technologies. The article analyzes the main stages of evolution of the issue of credit risk and key events in the field of risk management that have influenced the development of its theory, such as the 1976 Jamaican Monetary Conference and the introduction of the Basel Accords standards. It identifies the problem faced by credit inst

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Chateau, Jean-Pierre D. "Une analyse économétrique du comportement d’intermédiation financière des sociétés de crédit populaire : le cas des caisses populaires." Articles 53, no. 3 (2009): 415–47. http://dx.doi.org/10.7202/800732ar.

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Abstract Considering the Caisses populaires as a financial system, we propose an econometric model of its consolidated balance sheet built around the following four major blocks. The first one presents a dynamic sub-model of the Caisses' asset portfolio, which emphasizes their intermediation among assets on the basis of the latter interest rates. In a second block, these rates are endogenized with respect to the key variables of both the real and monetary sectors of the economy. On the liability side, the Caisses' deposit market is dealt with in a third block, namely a demand for deposits or f

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Strilchuk, Yu, K. Cherkashyna, I. Krasnova, S. Arzhevitin, and T. Semenenko. "BANK LENDING DURING THE COVID-19 CRISIS: EVIDENCE FROM SWITZERLAND." Financial and credit activity problems of theory and practice 5, no. 40 (2021): 55–64. http://dx.doi.org/10.18371/fcaptp.v5i40.244886.

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Abstract. This paper is devoted to the analysis of the influence of bank lending on the economy in Switzerland during COVID-19 pandemic. Analysis of the main economic indicators (GDP and its components, inflation, monetary supply) before and during corona-crisis proves that the impact of corona-crisis is stronger than that of the 2008—2009 financial crisis. A sharp decline of GDP, exports and imports is underlined. The components of GDP that were most stable over the last 12 years and did not decrease during the 2008—2009 financial crisis, namely «Households Consumption Expenditures» and «Tota

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DROBIAZKO, Anatolii, Oleksandr LYUBICH, and Olena KAMINSKA. "Analysis of trends in bank financing of Ukraine’s economy in 2021." Fìnansi Ukraïni 2021, no. 9 (2021): 36–51. http://dx.doi.org/10.33763/finukr2021.09.036.

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The article considers the development trends of the main banking markets of active operations for the eight months of 2021. The analysis of market trends has showed that despite significant efforts of the Government to intensify lending under the programs "Affordable Loans 5-7-9%" and "Mortgage Lending", the dynamics of growth of banks' loan portfolios can notmeet expectations. The banking regulator has adopted new legal and regulatory requirements that significantly cool the banking business in conducting new lending operations. Banks with state participation in capital dominate the volume of

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14

Lyalkova, Dar'ya A., and Yuliya A. Rakhmatullina. "Assessment of the current state of the housing mortgage lending market in the Russian Federation." Siberian Financial School, no. 1 (May 30, 2022): 109–13. http://dx.doi.org/10.34020/1993-4386--2022-1-109-113.

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This article analyzes the mortgage lending market in the Russian Federation. The dynamics of such important indicators of the mortgage market as the dynamics of the volume of mortgage loans issued, the average size of mortgage loans, the weighted average mortgage rate, indicators of commissioning of housing stock in Russia, the share of overdue debt in the mortgage portfolio is presented.

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15

LEPCZYŃSKI, Błażej, Małgorzata SIEMIONEK-RUSKAŃ, and Mina FANEA-IVANOVICI. "Implementation of Green Banking in the Largest Polish and Romanian Commercial Banks – An Analysis of Progress, Strengths, and Weaknesses." Journal of Environmental Management and Tourism 14, no. 7 (2023): 2835. http://dx.doi.org/10.14505/jemt.v14.7(71).02.

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In the context of the Green Deal, which set out to transform Europe into a climate neutral area by 2050, governments and international bodies have shown a growing interest in the financing activities that contribute to this objective. This is because the financial system plays a crucial role in channelling resources towards less polluting technologies. Due to its central place in the financial system, the banking system has obviously taken on the same responsibility. Commercial banks can make a change towards a greener economy through the services they provide (green financial products), their

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16

Hladkykh, D. M. "The Main Problems of Mortgage Lending and Directions of Its Activation in Ukraine." Business Inform 1, no. 528 (2022): 339–44. http://dx.doi.org/10.32983/2222-4459-2022-1-339-344.

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Stagnation of the loan market of Ukraine actualizes issues related to the need to intensify mortgage lending. The key problems that stand in the way of actualization of mortgage lending in Ukraine are identified as follows: preservation of low level of welfare of the population; numerous and high-profile bankruptcies of participants in the primary housing market; poor quality of the previously formed loan portfolio of individuals; actual prohibition for banks to provide loans to individuals in foreign currency; formation in Ukraine of a kind of «resistance movement» against the return of mortg

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17

Williams, Jeffrey J. "Co-investing in mortgage loans: a portfolio strategy." Briefings in Real Estate Finance 2, no. 4 (2003): 302–12. http://dx.doi.org/10.1002/bref.78.

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18

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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19

Berlinger, Edina, and György Walter. "Income-contingent repayment scheme for non-performing mortgage loans in Hungary." Acta Oeconomica 65, s1 (2015): 123–47. http://dx.doi.org/10.1556/032.65.2015.s1.8.

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At the end of 2014, more than 23% of the foreign currency denominated mortgage portfolio in Hungary was overdue; about 20% was classified as non-performing and the tendency is worsening. In this paper, we propose a solution to effectively reduce the credit and systemic risk inherent to this portfolio – the proposed model can be applied to other mortgage portfolios in trouble as well. The main element of our proposal is income-contingent repayment complemented with effective incentives to motivate debtors to repay their debt. We demonstrate that the proposed scheme is attractive for both the de

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20

Zhirnov, G. A. "Mass subsidized mortgage: No extension, no termination?" Voprosy Ekonomiki, no. 1 (January 7, 2025): 115–33. https://doi.org/10.32609/0042-8736-2025-1-115-133.

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After the launch of mass preferential mortgage program in 2020, subsidizing interest rates on housing loans has become a key factor affecting the primary housing market in Russia. In 2024, the portfolio of preferential mortgage lending approached RUB 9 trillion, indicating the high importance of this factor for the financial sector and the entire economy. Nevertheless, the effectiveness of subsidized mortgage programs and their effect on the socio-economic situation remain a subject of debate among economists, politicians and the public. The paper analyzes the impact of these programs on the r

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Oladejo, N. K., A. Abolarinwa, and S. O. Salawu. "Linear Programming and Its Application Techniques in Optimizing Portfolio Selection of a Firm." Journal of Applied Mathematics 2020 (December 11, 2020): 1–7. http://dx.doi.org/10.1155/2020/8817909.

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Optimization techniques have been used in this paper to obtain an optimal investment in a selected portfolio that gives maximum returns with minimal inputs based on the secondary data supplied by a particular firm that is examined. Sensitivity analysis is done to ascertain the robustness of the resulting model towards the changes in input parameters to determine a redundant constraint using linear programming. The challenge of determining the available funds and allocating each component of the portfolio to maximize returns and minimize inputs by portfolio holders and managers who are the majo

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22

YAZLYUK, Borys, Olena DOMBROVSKA, and Andriy BUTOV. "ANALYSIS OF FACTORS AFFECTING THE DEVELOPMENT OF MORTGAGE RELATIONS IN UKRAINE." Ukrainian Journal of Applied Economics 5, no. 4 (2020): 70–79. http://dx.doi.org/10.36887/2415-8453-2020-4-7.

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This article covers the essence of such concepts as "mortgage" and "mortgage lending" in accordance with the current legislation of Ukraine. The main method of creating a national system of mortgage lending is the formation of effective market mechanisms for obtaining long-term financial resources in the financial and credit sphere. On this basis the market of long-term mortgage lending will function with the use of existing market infrastructure and financial instruments that will allow to gradually reduce the cost of mortgage loans to the population and the subjects of economic activity and

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23

Tsvetkova, Liudmila, Larisa Orlaniuk-Malitskaia, Leonid Khuzhamov, and Alexandra Ermolaeva. "Rebalancing Tools for Comprehensive Real Estate Management: Modeling the Demand Function for Mortgage Buyers." Studies in Business and Economics 19, no. 3 (2024): 5–29. https://doi.org/10.2478/sbe-2024-0041.

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Abstract The problem of real estate management in the growing environment of electronic and smart investment and sales tools is becoming increasingly important in matters of rebalancing the value of property and calculating the risks arising from implementing the mortgage loan agreement. This study’s purpose is to investigate the prospect of using a model for planning insurance portfolios with an account of the needs of consumers to insure the contract’s lifecycle in the face of rising uncertainty. The basis for the investigation was Kahneman and Tversky’s perspective theory. It allowed the un

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Tarasov, A. A. "Portfolio Management in International Syndicated Lending." Review of Business and Economics Studies 12, no. 4 (2025): 91–105. https://doi.org/10.26794/2308-944x-2024-12-4-91-105.

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This article is aimed at presenting a wholesome approach to the management of a syndicated loan portfolio.Methods utilized include the following: (i) portfolio analysis — calculating the parameters of a syndicated loan portfolio (main, liquidity, diversification, and commercial parameters); (ii) measuring completion of the Key Performance Indicators (KPIs) — comparing the actual values of the parameters of the syndicated loan portfolio to the target values of the KPIs and making the required managerial decisions; (iii) portfolio management — using the various syndicated loan market techniques

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Zheng, Hongguang, and Zhanbin Zhang. "Analyzing Characteristics and Implications of the Mortgage Default of Agricultural Land Management Rights in Recent China Based on 724 Court Decisions." Land 10, no. 7 (2021): 729. http://dx.doi.org/10.3390/land10070729.

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The transfer of rural land contractual management rights belongs to the recessive transition of land use. The mortgage of rural land management rights is a way of rural land circulation, and has an important impact on the transformation of land use. Rural land management rights mortgage loans can enable farmers to obtain more credit funds, which is conducive to agricultural development and Rural Revitalization. However, with the development of rural land mortgage financing, the associated risk has become increasingly prominent. The most typical risk is the default risk of farmers’ mortgage loa

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HLADKYH, Dmytro, and Oleksandr LYUBICH. "Main problems of the monetary and credit system of Ukraine in the conditions of war." Fìnansi Ukraïni 2023, no. 2 (2023): 27–52. http://dx.doi.org/10.33763/finukr2023.02.027.

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Introduction. During 2022-2023, the monetary and credit system of Ukraine faced an unprecedentedly large number and a fundamentally new quality of problems associated with the transition of a permanent low-intensity armed conflict into full-scale military operations, accompanied by various negative consequences that directly affect the monetary sphere. Problem Statement. Establishing the prerequisites and substantiating prospects for the implementation of a complex of regulatory measures of the state in the monetary sphere, aimed at overcoming the main problems of the monetary and credit syste

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Tang, Enlin. "Research on Interest Rate Risk of Housing Mortgage Loan Based on Computer Simulation." Computational Intelligence and Neuroscience 2021 (August 23, 2021): 1–6. http://dx.doi.org/10.1155/2021/6035022.

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In recent years, with the rapid increase of the business volume of housing mortgage loans of commercial banks, the risk of prepayment is increasingly exposed. Prepayment will have a great impact on the duration and convexity of housing mortgage loans of commercial banks and then bring difficulties to the asset liability management of banks. Therefore, empirical research on the changes of duration and convexity of housing mortgage loans caused by prepayment when the market interest rate changes is of great significance for commercial banks to manage interest rate risk exposure. Based on the ana

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Elul, Ronel, Aaron Payne, and Sebastian Tilson. "Owner‐occupancy fraud and mortgage performance." Real Estate Economics 51, no. 5 (2023): 1137–77. http://dx.doi.org/10.1111/1540-6229.12455.

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AbstractWe identify occupancy fraud—borrowers who misrepresent their occupancy status as owner‐occupants rather than investors—in residential mortgage originations. Unlike previous work, we show that fraud was prevalent in originations not just during the housing bubble but also persists through more recent times. We also demonstrate that fraud is broad‐based and appears in government‐sponsored enterprise and bank portfolio loans, not just in private securitization; these fraudulent borrowers make up one third of the effective investor population. Occupancy frauds obtain credit at lower intere

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Sharma, Hari P. "Mortgage Servicing Portfolio Management Strategies: An Analysis of US Mortgage Industry." DELHI BUSINESS REVIEW 7, no. 1 (2006): 119–20. https://doi.org/10.51768/dbr.v7i1.71200612.

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Anderson, Jackson T., and Michael J. Seiler. "Real Estate Portfolio Management of Defaulted Mortgage Debt." Journal of Real Estate Portfolio Management 26, no. 2 (2020): 186–96. http://dx.doi.org/10.1080/10835547.2020.1858698.

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Ostrovska, N. "Modeling of credit portfolio management efficiency." Galic'kij ekonomičnij visnik 70, no. 3 (2021): 89–101. http://dx.doi.org/10.33108/galicianvisnyk_tntu2021.03.089.

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Credit operations, among the great variety of services provided by the bank, are one of the most important activities. In the assets of commercial banks, loans occupy a strong position of the most extensional and profitable items. The reliability and financial stability of commercial banks depends on the composition and structure of the bank's loan portfolio and the process of its management. Under current conditions, the development and improvement of the bank's loan portfolio management system intended to minimize the credit risks and ensure the sustainable operation of commercial banks have

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Koniagina, M. N., and A. A. Khashaev. "Mortgage lending market in Russia in terms of exit out of the pandemic." Economics and Management 28, no. 4 (2022): 324–30. http://dx.doi.org/10.35854/1998-1627-2022-4-324-330.

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Aim. The work aimed to summarize the results of the development of the mortgage lending market during the acute phase of the COVID-19 pandemic and predict its development in the near future.Tasks. The work was performed to investigate the volume of issuance and growth rates of mortgage lending in Russia; to analyze the dynamics of the total mortgage portfolio of the banking system of the Russian Federation (RF), as well as the average cost of 1 square meter of housing in the primary and secondary markets in a pandemic, combined with government support; demonstrate possible changes in the Russi

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Sirenko, Natalia, Kateryna Kazemyrchyk, and Kateryna Mikuliak. "Mortgage Market Analysis: Domestic and International Experience." Oblik i finansi, no. 4(102) (2023): 118–24. http://dx.doi.org/10.33146/2307-9878-2023-4(102)-118-124.

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In the conditions of an economic crisis, the activation of economic activity through mortgage lending becomes crucial, and the study of the development of the mortgage market in the world is necessary for a comprehensive understanding of its impact on social, economic, and financial growth. It is also essential for determining optimal management strategies for the housing sector in a specific country. The article aims to substantiate the features of the functioning of the mortgage market in the world and in Ukraine. Investigating the peculiarities of domestic and foreign mortgage markets, the

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Rakhimzhanova, K., G. Zhorabaуeva, and B. Aliуeva. "Analysis of the current state of the loan portfolio of commercial banks." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 3 (2022): 198–206. http://dx.doi.org/10.32523/2789-4320-2022-3-198-206.

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One of the main factors hindering the stability of the banking sector is problem loans. These problem loans reduce the liquidity of banks, as well as the development of the economy as a whole. Problem loans are loans with a low probability of non-repayment or repayment of debt. Therefore, after issuing a loan, the bank must take measures to ensure that there are no loan expenses. The management of problem loans is one of the most important aspects of banking practice. The article is devoted to ensuring the optimization of the quality of the loan portfolio of Kazakhstani banks and their structu

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Gorchakova, Maria, Tatyana Shchukina, and Yuri Berezkin. "On the Issue of Organizing Mortgage Lending in Russia." Baikal Research Journal 15, no. 2 (2024): 812–21. https://doi.org/10.17150/2411-6262.2024.15(2).812-821.

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Mortgage lending, being an important element of the financial system, plays a key role in the economic development of most countries of the world. The mortgage segment of the credit market not only helps to increase the affordability of housing for the population, but also has a decisive influence on the development of the construction sector and related industries. In Russia, starting from 2020, there has been a pronounced increase in interest in mortgage housing loans from the population. This phenomenon is due to a number of government initiatives aimed at stimulating the availability of ho

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Avgeri, Evangelia, Maria Psillaki, and Evanthia Zervoudi. "Peer-to-Peer Lending as a Determinant of Federal Housing Administration-Insured Mortgages to Meet Sustainable Development Goals." Sustainability 15, no. 18 (2023): 13618. http://dx.doi.org/10.3390/su151813618.

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In this paper, we investigate the influential factors of Federal Housing Administration (FHA) mortgage loans, focusing our research interest on peer-to-peer (P2P) lending, the most successful FinTech lending model. We consider P2P lending an alternative source of financing that marginal borrowers use to pay the increased mortgage down payment, making them eligible to receive a mortgage from conventional banks. In other words, we examine whether and to what extent P2P lending has a positive impact on the FHA loans volume by providing the ability to circumvent the loan-to-value (LTV) cap policy.

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Ferreira, Fernando A. F., Sérgio P. Santos, and Vítor M. C. Dias. "AN AHP-BASED APPROACH TO CREDIT RISK EVALUATION OF MORTGAGE LOANS." International Journal of Strategic Property Management 18, no. 1 (2014): 38–55. http://dx.doi.org/10.3846/1648715x.2013.863812.

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Mortgage loans for home purchase require careful analysis by all parties involved in the transaction, and credit-scoring is usually adopted to assist the decision process. From a credit institution standpoint, credit-scoring for mortgage loan risk evaluation becomes even more important in scenarios of economic turbulence and recession, primarily because of the severe restrictions imposed on credit availability that result from reduced access to both money and debt markets and subsequent decreasing liquidity. Employing an AHP – Analytic Hierarchy Process – based approach in the creditscoring sy

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Andros, Svitlana, and Vasyl Gerasymchuk. "Development Trends of the Market of Agricultural Lending to Households in Ukraine: Analysis of Consumer and Mortgage Loans." Research on World Agricultural Economy 4, no. 2 (2023): 32–46. http://dx.doi.org/10.36956/rwae.v4i2.846.

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The purpose of the article is to assess the conditions and identify the features of the market for consumer and mortgage lending to households based on the economic and statistical analysis of the data panel. The instrumental and methodological apparatus of the article compiled general scientific principles and approaches to economic analysis: Scientific abstraction, analysis and synthesis, grouping, typology, comparison, qualitative and quantitative expert assessments; logical and contextual methods of processing theoretical material, as well as the method of economic and statistical comparis

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Kashyap, M. Gupta. "Linear Programming Techniques to Optimize Bank of Baroda's Loan Portfolio." International Journal of Trend in Scientific Research and Development 2, no. 4 (2018): 591–97. https://doi.org/10.31142/ijtsrd13018.

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The banking industry is one of world's leading industries. Being a commercial bank, giving loans is the primary activity and bank's managers in a competitive environment, make decisions about distribution of financial assets. Taking deposits from the public and loans to customers in form of contracts is the main functions of banks now a days, so the banks should respond to the demands of customers for loans with considering all type of risks, because the most important reason of the banks failure has been problem of loans portfolio management. So one of important questions that have be

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Zenios, Stavors A. "A model for portfolio management with mortgage-backed securities." Annals of Operations Research 43, no. 6 (1993): 337–56. http://dx.doi.org/10.1007/bf02025090.

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Feruz, Mirzoev. "Monitoring System and Instruments for Risk Management in Commercial Banks." International Journal of Multicultural and Multireligious Understanding 9, no. 12 (2022): 72. http://dx.doi.org/10.18415/ijmmu.v9i12.4194.

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As social рractice shows, shortcomings in the system of management and control of the banking system can cause not only a worsening of the crisis state of the country's banking system but also the emergence of a systemic crisis at the national level due to the transfer of financial resources to other segments. In particular, as a result of allowing an unreasonable increase in the amount of non-рerforming loans (NРL) in the case of NPL in the case of loans from developed countries, US commercial banks and mortgage organizations led to a sharр increase in the number of non-рerforming loans in th

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Kuzmina, Elena, and Andrei Ianin. "Modelling the profitability of reverse mortgage loans with life-long annuity payments." E3S Web of Conferences 203 (2020): 05020. http://dx.doi.org/10.1051/e3sconf/202020305020.

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The article deals with the economic mechanism of reverse mortgage as a loan product aimed at raising the welfare of senior citizens who own real estate, for organic farming and soil management. The article discusses the financial and historical aspects of the implementation of the reverse mortgage instrument, as well as defines a potential of implementation of this instrument in Russia. Having identified the potential, the authors also mentioned the factors that could prevent Russian banks from adopting this mechanism. The article addresses one specific factor – absence of adequate instruments

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Kalandarov, Abdulla. "CURRENT ISSUES OF PROBLEMATIC LOANS MANAGEMENT IN BANKS." Journal of Science and Innovative Development 3, no. 6 (2020): 18–25. http://dx.doi.org/10.36522/2181-9637-2020-6-2.

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The methodological inadequacy of lending practices in commercial banks is the cause of a number of economic, financial and social problems. As banking practice shows, it is still important, to improve the quality of the loan portfolio and reduce the exposure to overdue loans. The article analyzes the increase in overdue loans that affect the quality of the credit portfolio of commercial banks and also reveals the ways to improve their reduction based on the experience of banks. The classification of overdue credit debt management tools is also proposed, as well as practical suggestions for the

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Singh, Amrik. "Determinants of credit spreads in hotel CMBS loans." International Journal of Contemporary Hospitality Management 31, no. 1 (2019): 370–88. http://dx.doi.org/10.1108/ijchm-06-2017-0327.

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Purpose This study aims to investigate the determinants of credit spreads in hotel loans securitized into commercial mortgage-backed securities (CMBS) between 2010 and 2015. Design/methodology/approach The sample represents 1,579 US hotel fixed interest rate whole loans with an aggregate mortgage value of $26.6bn at loan origination. The relationship between credit spreads and property, loan and market characteristic is examined via multiple regression analysis. Additionally, the method of 2-stage least squares is used to control for endogeneity bias and identify the effect of the loan-to-valu

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Minasyan, Lusine. "CHALLENGES AND OPPORTUNITIES OF SECURITIZATION IN ARMENIA'S BANKING SYSTEM." Bulletin of Yerevan University G: Economics 15, no. 2 (44) (2025): 84–91. https://doi.org/10.46991/bysu.g/2024.15.2.084.

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Securitization and bond markets are integral to modern finance, providing liquidity and risk-sharing mechanisms. Mortgage bonds, covered bonds, and securitizations differ significantly in their structure and regulatory oversight. These differences have profound implications for financial stability, particularly in smaller or emerging economies. This article examines these distinctions, focusing on their regulatory frameworks and financial stability impacts. The Armenian banking sector plays a pivotal role in supporting economic development by providing credit to businesses and individuals. Ove

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Mitrašević, Mirela. "The Role of Macroprudential Policy in Bank Housing Loans Portfolio Quality Assurance." Economic Themes 59, no. 2 (2021): 281–96. http://dx.doi.org/10.2478/ethemes-2021-0016.

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Abstract The subject of this paper is the contemporary trend in residential real estate markets in European countries and their impact on the quality of banks’ housing loan portfolios. Due to the fact that these are the markets that still have not fully recovered from the previous financial crisis, and at the time of writing were exposed to significant uncertainty related to the effects of specific business conditions caused by COVID-19, the research on the risks related to these markets and tools which can mitigate their consequences are of paramount importance. Given the fact that the import

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Samanta, Subarna K., and Ali H. Mohamad-Zadeh. "Bank's Portfolio Management under Uncertainty." American Economist 36, no. 2 (1992): 30–38. http://dx.doi.org/10.1177/056943459203600204.

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The major objective of this paper is to derive a set of optimal decision rules (for asset or inventory management) for a commercial bank operating under uncertain circumstances (subject to stochastic deposit loss). The bank is assumed to be maximizing the expected utility derived from it's net income. This objective is realized by the marginal conditions of the model. It shows how and under what conditions, the banker should expand loans at the expense of securities and/or excess reserves and how he adjusts to de-regulations and how the change in uncertainty about the deposit loss affects him.

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Avazkhon, Agzamov, and Malikova Dilrabo. "Loan portfolio of banks in Uzbekistan and ways to improve the efficiency of loan portfolio management." Yashil iqtisodiyot va taraqqiyot 2, no. 4 (2024): 9–13. https://doi.org/10.5281/zenodo.14211189.

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Decreasing the share of non-performing loans is critical for ensuring financial stability, enhancing creditavailability, improving cost efficiency, strengthening risk management, fostering investor confidence, complying withregulatory requirements, and supporting sustainable economic growth. By addressing the root causes of NPLs andimplementing effective risk mitigation strategies, banks can enhance their resilience, competitiveness, and long-termviability in the global financial landscape. The paper examines the essence of the concept of problem loans, presents themain factors that contribute

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Emedo, Michael. "Strategies for effective management of loans: A case study of keystone Bank plc." Asian Journal of Economics and Business Management 3, no. 1 (2024): 477–86. http://dx.doi.org/10.53402/ajebm.v3i1.403.

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In this study, strategies for effective loans management using keystone bank plc as a case study was investigated. Survey research methodology was adopted via structured questionnaire containing both open and closed ended questions administered to 120 respondents who were management staff of Keystone bank at both head and corporate offices. Likert scale was used in the questionnaire formulation and Hypothesis was tested using chi square at 0.05 level of significance. The result revealed that corporate loan portfolio diversifications is the most effective technique of loan portfolio management.

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Cherkashyna, Kateryna, and Volodymyr Gubenko. "SUCCESSFUL MANAGEMENT OF THE BANK’S CREDIT ACTIVITIES." Європейський науковий журнал Економічних та Фінансових інновацій 1, no. 15 (2025): 251–61. https://doi.org/10.32750/2025-0122.

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As of today, the banking sector is one of the most risky types of economic activity. This is primarily due to the fact that banking institutions deal with borrowed and attracted funds. Their own funds, in the form of charter capital and reserves, perform protective and regulatory functions. The main task of banks is using the attracted funds as efficiently as possible. Therefore, effective management of bank credit activities will allow for profit generation and avoidance of significant losses of attracted funds. The banking sector constantly encounters new risks, posing new challenges. Among

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