IDEAS home Printed from https://ideas.repec.org/a/prg/jnlefa/v2010y2010i3id56p75-83.html
   My bibliography  Save this article

Structural Determinants of the Total Loans Volume in the Czech Republic

Author

Listed:
  • Iveta ŘEPKOVÁ

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.

Suggested Citation

  • Iveta ŘEPKOVÁ, 2010. "Structural Determinants of the Total Loans Volume in the Czech Republic," European Financial and Accounting Journal, University of Economics, Prague, vol. 2010(3), pages 75-83.
  • Handle: RePEc:prg:jnlefa:v:2010:y:2010:i:3:id:56:p:75-83
    as

    Download full text from publisher

    File URL: http://www.vse.cz/polek/download.php?jnl=efaj&pdf=56.pdf
    Download Restriction: free of charge

    File URL: http://www.vse.cz/efaj/56
    Download Restriction: free of charge

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    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. Bikker, Jacob A. & Haaf, Katharina, 2002. "Competition, concentration and their relationship: An empirical analysis of the banking industry," Journal of Banking & Finance, Elsevier, vol. 26(11), pages 2191-2214, November.
    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.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

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

    JEL classification:

    • C58 - Mathematical and Quantitative Methods - - Econometric Modeling - - - Financial Econometrics
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:prg:jnlefa:v:2010:y:2010:i:3:id:56:p:75-83. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Frantisek Sokolovsky). General contact details of provider: http://edirc.repec.org/data/uevsecz.html .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.