Determinants of Commercial Bank Automobile Loan Rates
نویسندگان
چکیده
منابع مشابه
ACCOUNTING WORKSHOP “Using Loan Loss Indicators by Loan Type to Sharpen the Evaluation of the Determinants and Implications of Banks’ Loan Loss Accruals”
We show that the determinants and economic implications of the primary loan loss indicators reported in financial reports—non-performing loans (NPL), the allowance and provision for loan losses (ALL and PLL), and net loan charge-offs (NLCO)—vary dramatically across real estate, commercial, and consumer loan types, because these types differ in their homogeneity and collateralization and thus in...
متن کاملUsing Loan Rates to Measure and Regulate Bank Risk: Findings and an Immodest Proposal
There is strong evidence that the interest rates charged by banks on the flow of newly extended Commercial & Industrial (C&I) loans predict future loan performance and CAMEL rating downgrades by bank supervisors. While internal risk ratings have little explanatory power for future loan performance, they do help predict future CAMEL downgrades. These findings suggest that supervisors might consi...
متن کاملEvaluation of the Effect of Commercial Bank Consolidation on Economic Growth (Evidence from Nigeria, 2006- 2015)
This study evaluated the effect of bank consolidation on economic growth of Nigeria between the periods of 2006-2015. Secondary data were sourced from the Central Bank of Nigeria statistical bulletin and the NDIC Annual Reports between the period of 2006 and 2015. Data was analyzed using the Ordinary Least Square (OLS) multiple regression technique with the aid of the SPSS statistical software ...
متن کاملThünen-Series of Applied Economic Theory
To sustain growth in an aging economy, it is important to ease the financing of small firms by bank loans. Using bank internal data of small business loans in Germany, we examine the determinants of loan rates in the period 1995-2010. Beyond characteristics of the firm, the loan contract, and the lending relationship, demographic aspects matter. However, collateral and relationship lending play...
متن کاملDeterminants of Repayment of Loan Beneficiaries of Micro Finance Institutions in Southeast States of Nigeria
The study investigated the loan repayment, its determinants and socio-economic characteristics of microfinance loan beneficiaries in the Southeast states of Nigeria. It was carried out in three states of the five southeast states. Using a multistage sampling technique, a total of 144 loan beneficiaries in the three segments of MFIs, namely; formal (commercial and development banks); semi-formal...
متن کامل