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Lending rate and commercial bank lending in Nigeria
Yunusa, Lateef Adewale; Ariyibi, Mayowa Ebenezer; … - In: Economic review : journal of economics & business 19 (2021) 2, pp. 65-76
encourage banks to attract more deposit as this has a significant impact on the credit ability of the banks. A periodic review …
Persistent link: https://www.econbiz.de/10014466513
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A new pricing approach for SME loans issued by commercial banks based on credit score mapping and Archimedean Copula simulation
Liu, Chang; Shi, Haoming; Cai, Yujun; Shen, Shu; Lin, … - In: Journal of business economics and management 20 (2019) 4, pp. 618-632
traditional loan pricing model, this new proposed one, requiring lower loan interest rates from customers with higher credit … rating, while higher loan interest rates from customers with lower credit rating, could thus be able to provide higher risk …
Persistent link: https://www.econbiz.de/10012175768
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Maastricht criteria targeting and credit growth : empirical evidences for the new EU member states
Moinescu, Bogdan Gabriel - In: Romanian journal of fiscal policy : RJFP 3 (2012) 2, pp. 58-67
The study aims to investigate the impact of credit growth on the Maastricht criteria targeting process in the new … to maintain credit growth levels close to economic growth potential. …
Persistent link: https://www.econbiz.de/10010199902
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Commercial bank small business lending pre and post crisis
Jacques, Kevin T.; Moylan, Richard; Nigro, Peter J. - In: Journal of entrepreneurial finance : JEF ; official … 18 (2016) 1, pp. 22-48
important insights for policy makers as they continue to deal with the credit access issues of small firms. …
Persistent link: https://www.econbiz.de/10011991398
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Causes of non-payment of mortgage loans : theoretical and practical aspects
Mitrašević, Mirela; Bardarova, Snezana - In: UTMS journal of economics / University of Tourism and … 11 (2020) 2, pp. 138-150
Due to the significant share of mortgage loans in the portfolio structure of a large number of commercial banks, monitoring the ability of the household sector to repay debts is very important for financial stability. Since the accumulation of non-performing loans in banks' balance sheets is...
Persistent link: https://www.econbiz.de/10012427987
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Modeling of cash flows from nonperforming loans in a commercial bank
Devjak, Srečko - In: Naše gospodarstvo : NG 64 (2018) 4, pp. 3-9
The purpose of this paper is to derive a model for calculation of maturities and volumes of repayments that a bank may expect from nonretail nonperforming loans (hereafter NPLs). Expected inflows from nonretail NPLs follow a probability distribution, defined by size and timing of historic...
Persistent link: https://www.econbiz.de/10012021720
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Net flow rates versus roll rates as non-performing consumer loans forecasting methodologies
De Ribera Martin, Francisco de Asis - In: Revista de métodos cuantitativos para la economía y … 34 (2022), pp. 37-59
Roll rates and net flow rates can be seen as the evolution of ageing of accounts receivable and Markov chains. They are accepted methodologies to model the behavior of non-performing consumer loans by buckets and to predict losses, but we find that quite often they are wrongly used as...
Persistent link: https://www.econbiz.de/10013485817
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The real estate and credit bubble : evidence from Spain
Akin, Ozlem; García Montalvo, José; García Villar, Jaume - In: SERIEs : Journal of the Spanish Economic Association 5 (2014) 2/3, pp. 223-243
We analyze the determinants of real estate and credit bubbles using a unique borrower-lender matched dataset on … mortgage loans in Spain. The dataset contain real estate credit and price conditions (loan principal and spread, and the … contract) and the lender identity, over the last credit boom and bust. We find that lending standards are softer in the boom …
Persistent link: https://www.econbiz.de/10010422334
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Non-performing loans and profitability indicators : the case of the Republic of Macedenia
Jolevski, Ljube - In: Journal of contemporary economic and business issues 4 (2017) 2, pp. 5-20
credit portfolio quality is the share of non-performing loans to the total credit portfolio. The consequences of an increased …
Persistent link: https://www.econbiz.de/10011862127
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The role of macroprudential policy in bank housing loans portfolio quality assurance
Mitrašević, Mirela - In: Ekonomske teme 59 (2021) 2, pp. 281-296
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...
Persistent link: https://www.econbiz.de/10012888083