Loan Product Policy and Rentability Based on Interest Rates in Czech Republic
The result's identifiers
Result code in IS VaVaI
<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F68407700%3A21630%2F18%3A00324196" target="_blank" >RIV/68407700:21630/18:00324196 - isvavai.cz</a>
Alternative codes found
RIV/04274644:_____/18:#0000414
Result on the web
<a href="https://doi.org/10.35808/ersj/1024" target="_blank" >https://doi.org/10.35808/ersj/1024</a>
DOI - Digital Object Identifier
<a href="http://dx.doi.org/10.35808/ersj/1024" target="_blank" >10.35808/ersj/1024</a>
Alternative languages
Result language
angličtina
Original language name
Loan Product Policy and Rentability Based on Interest Rates in Czech Republic
Original language description
The Czech banking system is an innovation market driven by the power of new low-cost banks focused on young internet clients. We could say that it is profitable and one the most stable market in Eastern Europe. The purpose of this article is to analyse the effect of the interest rates on the loan product policy of selected banks in the Czech Republic, specifically in connection with the banking products offered to the SME segment. In particular, the final report focusses on measuring bank profitability based on interest rates on different products within a specific time period. Final touch of this article is complemented by a calculation of the additional ROE for the commercial bank using model based on itnerest margin and profitability of provided loans. We found out that the usage of different approaches of internal models with different combinations of key determinants can potentially increase the bank's profitability in the interval from 1,042 mil. to 24,300 mil. CZK.
Czech name
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Czech description
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Classification
Type
J<sub>SC</sub> - Article in a specialist periodical, which is included in the SCOPUS database
CEP classification
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OECD FORD branch
50206 - Finance
Result continuities
Project
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Continuities
I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace
Others
Publication year
2018
Confidentiality
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů
Data specific for result type
Name of the periodical
European Research Studies Journal
ISSN
1108-2976
e-ISSN
1108-2976
Volume of the periodical
21
Issue of the periodical within the volume
2
Country of publishing house
GR - GREECE
Number of pages
11
Pages from-to
575-585
UT code for WoS article
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EID of the result in the Scopus database
2-s2.0-85062755404