Structural Determinants of the Total Loans Volume in the Czech Republic

Artikel

The aim of this paper is to analyze the structural determinants of the total loans volume in the Czech banking sector. Analysis of five selected characteristics is realized in period 2000-2008. It used the OLS regression analysis for estimate of model. The regression analysis showed that the concentration of the credit market and the profitability calculated as the return on assets (ROA) has positive impact to total loans and the quality of portfolio has negative impact to total loans. If the share of classified loans to total loans is decreasing, total loans volume is rising and if concentration ratio of the credit market and return of assets are rising, total loans volume is also rising.

Object Details

• Language: Englisch

References and Relationships

• Bibliographic citation: Journal: European Financial and Accounting Journal ; ISSN: 1805-4846 ; Volume: 5 ; Year: 2010 ; Issue: 3-4 ; Pages: 75-83 ; Prague: University of Economics, Faculty of Finance and Accounting

Classification and Topics

• Classification: Management ; Financial Econometrics ; Banks; Depository Institutions; Micro Finance Institutions; Mortgages
• Subject: Banking sector ; Total loans ; Concentration ; Interest rate ; Profitability ; Return on Assets (ROA) ; Regression analysis ; Ordinary least squares (OLS)

Contributors, Places and Time

• Event: Geistige Schöpfung
• (who): Řepková, Iveta
• Event: Veröffentlichung
• (who): University of Economics, Faculty of Finance and Accounting
• (where): Prague
• (when): 2010

Further information

• DOI: doi:10.18267/j.efaj.56
• Handle: http://hdl.handle.net/10419/109854
• Last update: 10.03.2025, 11:43 AM CET