Loan Product Policy and Rentability Based on Interest Rates in Czech Republic
Identifikátory výsledku
Kód výsledku v IS VaVaI
<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F04274644%3A_____%2F18%3A%230000414" target="_blank" >RIV/04274644:_____/18:#0000414 - isvavai.cz</a>
Nalezeny alternativní kódy
RIV/68407700:21630/18:00324196
Výsledek na webu
<a href="https://www.ersj.eu/dmdocuments/44.CEPINOVA_ET_AL_XXI_2_18.pdf" target="_blank" >https://www.ersj.eu/dmdocuments/44.CEPINOVA_ET_AL_XXI_2_18.pdf</a>
DOI - Digital Object Identifier
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Alternativní jazyky
Jazyk výsledku
angličtina
Název v původním jazyce
Loan Product Policy and Rentability Based on Interest Rates in Czech Republic
Popis výsledku v původním jazyce
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
Název v anglickém jazyce
Loan Product Policy and Rentability Based on Interest Rates in Czech Republic
Popis výsledku anglicky
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
Klasifikace
Druh
J<sub>SC</sub> - Článek v periodiku v databázi SCOPUS
CEP obor
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OECD FORD obor
50206 - Finance
Návaznosti výsledku
Projekt
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Návaznosti
I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace
Ostatní
Rok uplatnění
2018
Kód důvěrnosti údajů
S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů
Údaje specifické pro druh výsledku
Název periodika
European Research Studies Journal
ISSN
1108-2976
e-ISSN
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Svazek periodika
XXI
Číslo periodika v rámci svazku
2
Stát vydavatele periodika
GR - Řecká republika
Počet stran výsledku
11
Strana od-do
575-585
Kód UT WoS článku
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EID výsledku v databázi Scopus
2-s2.0-85062755404