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Structural Determinants of the Total Loans Volume in the Czech Republic

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  • Iveta ŘEPKOVÁ
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    Abstract

    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.

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    Bibliographic Info

    Article provided by University of Economics, Prague in its journal European Financial and Accounting Journal.

    Volume (Year): 2010 (2010)
    Issue (Month): 3 ()
    Pages: 75-83

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    Handle: RePEc:prg:jnlefa:v:2010:y:2010:i:3:id:56:p:75-83

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    Related research

    Keywords: Banking sector; Total loans; Concentration; Interest rate; Profitability; Return on Assets (ROA); Regression analysis; Ordinary least squares (OLS);

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    References

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    1. Gabriela Lopes de Castro & Carlos Santos, 2010. "Bank Interest Rates and Loan Determinants," Economic Bulletin and Financial Stability Report Articles, Banco de Portugal, Economics and Research Department.
    2. J.A. Bikker & K. Haaf, 2000. "Competition, concentration and their relationship: an empirical analysis of the banking industry," Research Series Supervision (discontinued) 30, Netherlands Central Bank, Directorate Supervision.
    3. J.A. Bikker & K. Haaf, 2000. "Measures of competition and concentration in the banking industry: a review of the literature," Research Series Supervision (discontinued) 27, Netherlands Central Bank, Directorate Supervision.
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