The Determinant of Loan Portfolio Shifting: Empirical Study of Banks in ASEAN Country

In offering a loan, banks have several considerations. This is because Standard Basel has regulations and requirements for to offer loans. relates the bank’s minimum capital liquidity requirements. factor includes external internal factors. important be noted factors contain risks inherent in financial instruments. Risk management one of things that executive most concerned about taking policy. Risks faced by bank include interest rate risk credit risk. this case, we study loan role. We ASEAN Countries. The results show considerations providing loan. But, no evidence also add analysis using profitability ratio captures management. strengthens model relationship tested.