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Journal articles on the topic 'Quality of the loan portfolio'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

SIDORKINA, Irina I., and Boris A. MALIKOV. "Environmental situation as a factor influencing the loan portfolio model." Finance and Credit 30, no. 10 (2024): 2287–301. http://dx.doi.org/10.24891/fc.30.10.2287.

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Subject. The article considers the impact of environmental factors on building the loan portfolio model in a commercial bank. Objectives. The aims are to introduce environmental factors and assess ESG risks in the process of loan portfolio construction, identify the significance of their impact on the loan portfolio, and create a new model of loan portfolio formation. Methods. Based on analysis and synthesis and the model used, the study offers creating a new model of loan portfolio formation to reduce risks and improve its quality. Results. The study assessed the modern methodology for loan p

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2

Jacob, Gabriel. "LOAN PORTFOLIO QUALITY AND EFFICIENCY OF QUOTED DEPOSIT MONEY BANKS IN NIGERIA." International Journal of Economics Finance & Management Science 08, no. 05 (2023): 05–09. http://dx.doi.org/10.55640/ijefms-9123.

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This article investigates the relationship between loan portfolio quality and efficiency among quoted Deposit Money Banks (DMBs) in Nigeria. The study analyzes data from financial statements of selected banks to assess loan portfolio quality using metrics such as non-performing loan ratio, loan loss provision ratio, and loan recovery rate. Efficiency is measured through indicators like cost-to-income ratio, return on assets, and return on equity. The findings reveal variations in loan portfolio quality and efficiency among the sampled banks, emphasizing the importance of robust credit risk man

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Mwaipaja, Festo, and Joseph Magali. "Influence of Demographic Factors on Loan Portfolio Quality in the Savings and Credit Cooperatives Societies in Tanzania." EAST AFRICAN JOURNAL OF EDUCATION AND SOCIAL SCIENCES 5, no. 3 (2024): 33–46. http://dx.doi.org/10.46606/eajess2024v05i03.0380.

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This study determined the influence of demographic factors on loan portfolio quality in Tanzania, focusing on the Hazina SACCOS. The sample of the study was 134 out of 423 borrowers from Dar es saalam and Dodoma cities, whose loans did not exceed Tanzanian Shillings 5 millions. Only 100 questionnaire sheets were returned. Out of those, only 75 were correctly filled, hence used for analysis. Data analysis took place through descriptive and regression analysis. The study concludes that demographic factors affected loan portfolio in different ways. While female borrowers had higher loan repayment

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4

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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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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Zaichko, Iryna, Liudmyla Bohrinovtseva, Yuliia Verheliuk, and Olena Purdenko. "CURRENT CHALLENGES AND PROSPECTS OF LOAN PORTFOLIO QUALITY MANAGEMENT IN WARTIME: THE CASE OF UKRAINE." Academic Review 2, no. 59 (2023): 218–34. http://dx.doi.org/10.32342/2074-5354-2023-2-59-15.

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The purpose of the study is to develop effective ways to solve the problems of managing the quality of the loan portfolio of the Ukrainian banking sector in the context of the financial crisis caused by the russian-Ukrainian war. In the course of the study, such scientific methods as fundamental provisions of the credit portfolio theory, multifactor regression analysis, extrapolation, trend analysis, mathematical programming, etc. have been used. A methodical approach to the study of contemporary problems and prospects of loan portfolio quality management under martial law, consisting in model

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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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Popova, Polina. "COVID‐19, corporate non-performing loans, and corporate lending dynamics: Evidence from Russian regions." Applied Econometrics 76, no. 4 (2024): 5–28. https://doi.org/10.22394/1993-7601-2024-76-5-28.

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The COVID‐19 pandemic had a highly negative impact on the corporate sector across many economies. This study examines the relationship between the spread of the COVID‐19 virus, the quality of corporate loan portfolios, and the volume of corporate loans in Russian regions. Using cross-regional variation in the number of COVID‐19 cases in Russia from April 2020 to February 2022, we document lower corporate loan portfolio quality among banks operating in regions with higher COVID‐19 rates, as well as an inverse relationship between corporate non-performing loans and the volume of corporate loans

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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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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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МАГОМЕДОВ, М. А., and А. А. АБУСАЛИМОВА. "WAYS TO IMPROVE THE QUALITY OF THE LOAN PORTFOLIO OF JSC «ROSSELKHOZNADZOR»." Экономика и предпринимательство, no. 10(159) (December 4, 2023): 900–904. http://dx.doi.org/10.34925/eip.2023.159.10.183.

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Статья посвящена путям совершенствования качества кредитного портфеля. Качество кредитного портфеля рассмотрено на примере акционерного общества «Россельхозбанк», выявлены проблемные зоны в области формирования резервов на возможные потери по ссудам, ссудной и приравненной к ней задолженности. По результатам проведенного исследования предложено сформировать такой резерв с целью снижения рисков кредитования и улучшения качества кредитного портфеля банка. The article is devoted to ways to improve the quality of the loan portfolio. The quality of the loan portfolio is considered on the example of

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Muindi, Cellinah Wanza, and Jagongo Ambrose. "Microcredit Risk Management Strategies and Loan Portfolio Quality of Microfinance Institutions in Kenya." Journal of Finance and Accounting 3, no. 4 (2023): 32–42. http://dx.doi.org/10.70619/vol3iss4pp32-42.

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The study investigated the effects of Microcredit risk strategies on the loan portfolio quality of microfinance institutions in Kenya. The analysis is based on a panel dataset of 14 microfinance institutions in the period 2017 to 2021. The study was guided by the following theories the institutional theory, the theory of information asymmetry, the theory of delegated monitoring and the modern portfolio. The study will be useful to the MFIs managers and will help them devise good policies to ensure borrowers are well screened to improve portfolio quality while improving the cases of loan defaul

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13

Marchenko, Olha V., Olha S. Petrykiva, and Kateryna O. Korobko. "Minimizing Credit Risk and Improving the Quality of the Bank’s Loan Portfolio." Business Inform 11, no. 538 (2022): 205–10. http://dx.doi.org/10.32983/2222-4459-2022-11-205-210.

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The article considers the main factors that form credit risk and determines the role of credit risk in the process of formation of the credit portfolio of a commercial bank. It is determined that bank lending involves the functioning of a complex mechanism that includes certain actions aimed at attracting cheap funds and their use in accordance with the terms of the established lending policy, taking into account the minimum risk and maximum profit. As you know, the main source of income of banks is the profit from lending. In this regard, the main problem facing the bank’s management today is

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14

Iskakova, Z., Zh Gusmanova, and A. Kurmanalina. "Loan portfolio management of commercial banks of the Republic of Kazakhstan in conditions of increasing cross-border impact of sanctions on the economy." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 1 (2023): 275–84. http://dx.doi.org/10.32523/2789-4320-2023-1-275-284.

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In this article, we have considered the main aspects of managing the loan portfolio of commercial banks of the Republic of Kazakhstan in the context of increasing cross-border impact of sanctions on the economy. Factors such as high credit risks, non-repayment of the loan, inefficiency of banks' lending activities, deterioration of the quality of the loan portfolio, the degree of riskiness of credit policy require optimization of the process of managing the loan portfolio of a commercial bank. The trends of gradual growth of the loan portfolio since the beginning of 2019 are considered. The qu

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15

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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Thiong’o, Paul Kiama, Matata Kilungu, and Charles Guandaru Kamau. "Loan Portfolio Growth and FinancialPerformance of Commercial banks in Kenya." East African Finance Journal 3, no. 1 (2024): 27–47. http://dx.doi.org/10.59413/eafj/v3.i1.2.

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Loans comprise the single largest asset for commercial banks. To grow the bank's assets, bank managers focus on increasing the number of loans granted by the bank. The general objective of this study was to evaluate the effect of growth in loan portfolios on the financial performance of commercial banks in Kenya. The study used a regression research design. The population of interest consisted of the 44 commercial banks in Kenya. A sample of 31 commercial banks was selected. The study covered a five-year period, from 2011 to 2015. Multiple-linear regression was also used in the analysis. The s

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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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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

Nyang'iye, Samson Akumu, Cyrus Iraya, and Duncan Elly Ochieng. "Residential Mortgage Portfolio, Product Innovation and Performance of Commercial Banks in Kenya." European Journal of Business and Management Research 7, no. 3 (2022): 184–93. http://dx.doi.org/10.24018/ejbmr.2022.7.3.1439.

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This study sought to investigate the relationship between residential mortgage portfolios, product innovation, and performance of commercial banks in Kenya. The study was anchored on the Modern Portfolio Theory, Agency Theory, and Asymmetric Information Theory. The study adopted a correlational descriptive research design and data collected from the annual residential mortgage surveys conducted by the central bank of Kenya (CBK) on commercial banks covering a 13-year period from 2006 to 2018. Further, the financial statements of commercial banks and Kenya Bankers Association database were used

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20

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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Kosztowniak, Aneta. "Changes in the quality of bank loan portfolios in EU countries – with the particular case of Poland." Managerial Economics 23, no. 1 (2023): 27. http://dx.doi.org/10.7494/manage.2022.23.1.27.

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As non-performing loans (NPLs) can cause monetary crises that may turn into financial crises affecting an entire economy, monitoring them is very important. If NPLs are not identified and recognized efficiently, both in terms of speed and scope, NPL resolution effectiveness is undermined, which in turn will have negative effects on the banking sector and ultimately on GDP growth.The main aim of this article is to identify changes in the quality of bank loan portfolios in European Union (EU) countries in 2009–2021, using an example of the Visegrad Group (Czech Republic, Poland, Slovakia, Hungar

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Н.Ю., БАГАЕВА,, and ПАРФЕНОВА, Н.А. "Bank loan portfolio analysis: the case of Expobank JSC." Vestnik of North-Eastern Federal University. Series "Economics. Sociology. Culturology", no. 4(28) (December 25, 2022): 8–15. http://dx.doi.org/10.25587/svfu.2022.29.32.001.

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Цель любой кредитно-финансовой организации ‒ это получение прибыли. На сегодняшний день кредитные организации основную прибыль получают за счет процентных и комиссионных доходов. Процентные доходы в основном формируются за счет выдачи кредитов физическим и юридическим лицам. Коммерческие банки на постоянной основе должны проводить анализ кредитного портфеля, для того чтобы сохранить его «качество». Главным критерием успеха кредитной организации является качество кредитного портфеля, так как от качества кредитного портфеля зависит, насколько работа в кредитной организации будет эффективной. В д

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Ndikubwimana, Philippe, Barakamfitiye Abel, Florence Mukamanzi, Daniel Twesige, and Laetitia Byukusenge. "Credit Risk Analysis and Microfinance Loan Quality in Rwanda: A Case Study of Cooperative COPEDU Ltd." University Journal 5, no. 2 (2023): 99–120. http://dx.doi.org/10.59952/tuj.v5i2.193.

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The key objective of Microfinance Institutions (MFIs), like any other business organization is to maximize profits. However, the increased rates of non-performing loans (NPLs) hinder microfinance institutions from achieving their main objective. This study aimed to examine the effect of credit risk analysis on the quality loan portfolio of Microfinance Institutions in Rwanda. The credit risk analysis was measured using collection policy, loan policy and client credit appraisal. On the other hand, the loan quality portfolio was measured by Non-performing Assets (NPAs). A descriptive research de

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Thomas, Acholla Ongallo, Rachael Gesami Prof., and Gillian Mwaniki Dr. "Loan Portfolio Quality Diversification Factor, Loan Syndication and Financial Performance of Commercial Banks in Kenya." American Based Research Journal 8, no. 5 (2019): 61–68. https://doi.org/10.5281/zenodo.3456925.

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<em>Existing literature has demonstrated that loan syndication factors can affect banks performance. Good financial performance rewards the shareholders for their investment efforts and in turn, motivates them for additional investment and enables economic growth. On the other hand, underperformance can lead to banking failure and crisis which have negative repercussions on the economic growth. This study sought to determine the influence of loan syndication factor on the financial performance of commercial banks in Kenya. This study specific objective sought to determine the influen

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RUDENKO, Serhii, Sergii STEPANENKO, and Kateryna AMPILOHOVA. "OPTIMIZATION OF BANK CONSUMER LENDING MANAGEMENT ON THE BASIS OF QUALITY ASSESSMENT OF ITS LOAN PORTFOLIO." Ukrainian Journal of Applied Economics 5, no. 4 (2020): 58–69. http://dx.doi.org/10.36887/2415-8453-2020-4-6.

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Introduction. Ukrainian banking institutions are constantly faced with the problem of non-repayment of consumer loans received by individuals. The reasons for this need to be identified, classified and assessed, which is primarily the object of credit risk management of banking institutions. The lack of effective methods for assessing and managing risks in the provision of consumer loans can ultimately lead to significant problems in the efficient operation and financial stability of banks. Despite the existing scientific and practical achievements, the issue of assessment and management of co

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САВИНОВ, О. Г., Э. Р. ХАНИЕВА, and А. Е. ГРИШИНА. "LOAN PORTFOLIO OF BANKS IN MODERN ECONOMIC CONDITIONS." Экономика и предпринимательство, no. 2(151) (May 31, 2023): 1420–23. http://dx.doi.org/10.34925/eip.2023.151.2.287.

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Финансовая нестабильность в современных экономических условиях и рост кредитных рисков определяют необходимость повышения качества кредитного портфеля банков. В статье раскрывается сущность кредитного портфеля и основные тенденции в его формировании. Анализируется состав кредитов банковского сектора по основным сегментам и субъектам кредитования. Оценивается структура и состояние задолженности по кредитному портфелю и созданным резервам. Financial instability in the current economic conditions and the growth of credit risks determine the need to improve the quality of the banks' loan portfolio

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Шевченко, Наталія, and Марта Копитко. "PROBLEMS OF RISK MANAGEMENT AND CREDIT SECURITY OF BANKS IN CONDITIONS OF WAR AND ECONOMIC INSTABILITY." "Scientific notes of the University"KROK", no. 4(76) (December 31, 2024): 287–94. https://doi.org/10.31732/2663-2209-2024-76-287-294.

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The article considers the basic essence of the concept of “bank credit security”, which is defined as a set of measures or directions aimed at minimizing the negative risks associated with the issuance, management and repayment of loans to individuals and legal entities. It is determined that the main structural elements of credit security management by a banking institution are: formation of a loan portfolio, credit policy and credit strategy; identification of risks and factors affecting the level of credit security; insurance against credit risks: formation of reserves, diversification, set

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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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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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Sorokin, Alexander S. "ANALYSIS OF CHANGES IN THE STRUCTURE OF THE PDLMARKET IN RUSSIA IN 2019–2023 BASED ON MULTIVARIATE STATISTICAL ANALYSIS." SOFT MEASUREMENTS AND COMPUTING 11, no. 84 (2024): 112–24. https://doi.org/10.36871/2618-9976.2024.11.009.

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The article presents the results of a study of development trends in the Russian microfinance market by analyzing changes in the structure of one of its segments – the PDL-market. The study period covers a five-year interval – from 2019 to 2023. For the study, one of the methods of multivariate statistical analysis is used, which allows dividing the studied companies in the Russian PDL loan market into clusters. The purpose of the analysis is to determine the change in the composition of clusters of microfinance organizations in the PDL-segment (mainly online and offline) in five-year dynamics

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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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Zholamanova, M., and A. Zhurgembayeva. "Credit risk management in commercial banks." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU 143, no. 2 (2023): 168–75. http://dx.doi.org/10.32523/2789-4320-2023-2-168-175.

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Development of the banking sector in Kazakhstan is characterized by a rapid pace. This growth is combined with increased competition, access to foreign markets, and the birth of new banking products. Most banking services fall on credit activities. In this regard, it is relevant to build an effective risk management of the loan portfolio. The purpose of the study is to develop proposals for improving the management of credit risks in the banking sector. The research methodology is based on the use of such methods as generalization, statistical methods, comparative analysis and statistical meth

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Zatvornytskyi, Kostiantyn. "The Role of Financial Forecasting in the Formation of Optimal Loan Portfolios of Ukrainian Banks." Oblik i finansi, no. 1(107) (2025): 40–48. https://doi.org/10.33146/2307-9878-2025-1(107)-40-48.

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The variability of social, economic and military factors over time reduces the efficiency of the banking institution. In this regard, managing the bank's loan portfolio, as the primary source of bank profits, should be carried out using progressive approaches to forecasting. The article aims to assess the possibilities of using theoretical and methodical principles of financial forecasting to ensure the effective functioning of banks in Ukraine and the formation of their optimal loan portfolios. The article analyzes the world's experience in developing and modernizing financial forecasting met

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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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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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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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Malit, E. O., O. Nelson, and A. O. Scholastica. "Effect of Financial Innovations on Banks’ Loan Portfolio: A Case of Commercial Banks in Kenya." International Journal of Finance 8, no. 3 (2023): 22–37. http://dx.doi.org/10.47941/ijf.1305.

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Purpose: The study sought to investigate the effect of financial innovations on loan portfolio of Commercial Banks in Kenya. The main problem was that even though banks have implemented financial innovations, the level of loans uptake in terms of volume and quality remains unclear as indicated by opposing findings by different studies. Most past studies on Kenya have covered relatively shorter study periods which may not reliably capture the financial trends, more so given the short shelf life of financial studies caused by rapid changes in the financial sector.  Methodology: This study

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Nguyen, Ngan Bich. "Exploring the causality relationship between bank’s ESG performance and loan portfolio quality in emerging markets." Journal of Infrastructure, Policy and Development 9, no. 1 (2025): 11203. https://doi.org/10.24294/jipd11203.

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This study explores the causal relationship between Environmental, Social, and Governance (ESG) performance and loan portfolio quality (LLP) in banks within emerging markets using a Granger causality framework. Analyzing annual data from 153 banks across 12 countries during 2010–2023, the study provides strong evidence of ESG’s predictive power over LLP and key financial indicators, including ROA, NIM, bank size, TIER1 capital adequacy, and GDP growth. Higher ESG scores enhance loan portfolio quality through improved credit risk management, reflecting stronger governance and sustainability-dri

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Калайджян, Э. А., and А. Н. Ряховская. "IMPROVING THE EFFICIENCY OF FINANCIAL ASSET MANAGEMENT OF A COMMERCIAL BANK." Chronoeconomics, no. 2(44) (May 12, 2024): 43–47. http://dx.doi.org/10.62832/v3641-7626-8825-n.

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Управление финансовыми активами является важным направлением в управлении организацией, главной целью становится достижение максимальной прибыли. При этом для коммерческого банка основополагающим в управлении финансовыми активами становится управление кредитным портфелем. Главным фактором эффективности кредитного портфеля выступает основное свойство его структуры – качество портфеля. Помимо этого, эффективность управления определяется показателями, основными для коммерческого банка являются чистая процентная маржа, стоимость риска, отношение расходов к доходам и отношение расходов к активам. П

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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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Undji, Valdemar J., and Johannes P. S. Sheefeni. "A factor-based framework for stress-testing the Namibian banking sector." Journal of New Economy 25, no. 3 (2024): 112–37. https://doi.org/10.29141/2658-5081-2024-25-3-6.

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Times of crises underscores the importance of guarding against deteriorations in the quality of loan portfolio through effective credit risk management. The purpose of the study is to examine the credit risk resilience of Namibia’s banking sector and forecast the quality of its loan portfolio. Methodologically, the study is hinged on the theories related to information asymmetry, moral hazard, and adverse selection. The methods include a VAR and an ARIMA out of sample dynamic forecasting model. The study employs secondary time-series data for the period 1996Q1–2021Q4 from various sources inclu

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BWANA, Kembo M., and Baleke MOSES. "EFFECTS OF CREDIT REFERENCE BUREAU PROCEDURES ON PERFORMANCE OF LOAN PORTFOLIO: A CASE OF SELECTED COMMERCIAL BANKS IN TANZANIA." JOURNAL OF EUROPEAN ECONOMY, Vol 23, No 3 (2024) (September 1, 2024): 442–54. http://dx.doi.org/10.35774/jee2024.03.442.

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This study investigates the impact of credit reference bureau (CRB) procedures on the performance of loan portfolios at selected commercial banks in Tanzania. A cross-sectional research design was adopted, with data collected through questionnaires and interviews involving 95 respondents from selected commercial banks. The findings show that the procedure to accessing loans had a positive and significant relationship with loan portfolio performance at these banks (β = 0.835, p = 0.000), as did loan approval procedures (β = 0.789, p = 0.001) and quality control procedures (β = 0.768; p = 0.002)

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Dilipkumar, Nainani Umesh. "A Comparative Analysis of Risk Management and Credit Policies: A Study of HDFC Bank and State Bank of India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 02 (2025): 1–9. https://doi.org/10.55041/ijsrem41585.

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This study provides a comparative analysis of the risk management strategies and credit management policies of HDFC Bank, India’s largest private sector bank, and State Bank of India (SBI), India’s largest public sector bank. Utilizing both quantitative and qualitative methods, the research evaluates key financial indicators, loan portfolio compositions, and capital adequacy metrics from 2018 to 2023. Key findings reveal that HDFC Bank consistently maintains superior asset quality, with lower Gross and Net NPA ratios compared to SBI, indicative of more effective risk management. HDFC Bank also

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Rita, Benson, and Opoku Agyemang Oscar. "Lending Rate and Loan Portfolio of Banks in Ghana." ISSRA Journal of Entrepreneurship and Business Management 01, no. 01 (2021): 37–48. https://doi.org/10.5281/zenodo.5582349.

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Ghana has witnessed a tremendous increase in the number of Universal banks in the country. As a result, one will expect bank pricing (lending rate) to be competitive lending to low rates. However, this is not the case as lending rates continues to be high. This has become a disincentive to borrowing and repayment of loan, which ultimately affects both the loan portfolio quality and size of banks. The objective of this study was to examine the effects of lending interest rates on the loan portfolio of Universal Banks in Ghana. This study was largely a quantitative research. The study population

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Kovalenko, Victoria, Valeria Kochorba, and Nelya Koval. "STUDY OF THE CURRENT STATE OF THE CREDIT PORTFOLIO OF UKRAINIAN BANKS AND THE EFFICIENCY OF ITS MANAGEMENT." Financial and credit systems: prospects for development, no. 1 (July 26, 2021): 7–16. http://dx.doi.org/10.26565/2786-4995-2021-1-01.

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In conditions of intensified competition, banks, expecting a profit, can place their assets in high-risk instruments, which can lead to loss of liquidity and solvency. The responsibility of the bank's management for the strategic goals of the bank's financial development is growing. Under these circumstances, the role of theoretical and practical aspects of the formation of the bank's financial strategy increases. But it should be remembered that the basis of financial stability and strategic development is the formation of an effective credit policy, which can provide a clear strategy. The st

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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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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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Lamichhane, Basu Dev. "Credit Portfolio Management in Nepalese Microfinance Institutions (MFIs): A Shifting Guide to Credit Risk Management." Interdisciplinary Journal of Management and Social Sciences 4, no. 1 (2023): 8–20. http://dx.doi.org/10.3126/ijmss.v4i1.54097.

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This paper attempts to provide a first step toward understanding the role of credit portfolio management in Nepalese microfinance institutions (MFIs) and overcome those problems associated with credit risk management. The credit portfolio management (CPM) has become most crucial functions of the Nepalese MFIs for sound loan portfolio quality. This study is based on descriptive research design. Several findings are made through the review of the literature that is parallel to achieving the objectives of the study. MFIs are financial intermediaries ("banks") that have a direct impact on economic

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