ratio a bank would experience if it were fully efficient at credit-risk evaluation and loan monitoring, represents the … inherent credit risk of the loan portfolio and is estimated by stochastic frontier techniques. We apply the technique to 2013 … credit risk of their lending is the highest among the five groups. On the other hand, their inefficiency at lending is one of …

credit-risk evaluation and loan monitoring, represents the inherent credit risk of the loan portfolio and is estimated by a … nonperformance among the five groups. Moreover, the inherent credit risk of their lending is the highest among the five groups. On …. Small community banks under $1 billion also exhibit higher inherent credit risk than all other size groups except the …

This comparative study analyzed the impact of loan portfolio composition on the efficiency of different types of banks … in India-public sector, old private, and new private banks-in the period between 2013 and 2022. Efficiency was evaluated … sector lending, and secured lending in proportion to the overall loans-as independent factors against the efficiency score as …