Loan Product Policy and Rentability Based on Interest Rates in Czech Republic

Kód výsledku v 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>

Nalezeny alternativní kódy

RIV/04274644:_____/18:#0000414

Výsledek na webu

<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>

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.

Druh

J_SC - Článek v periodiku v databázi SCOPUS

CEP obor

—

OECD FORD obor

50206 - Finance

Projekt

—

Návaznosti

I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace

Rok uplatnění

2018

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název periodika

European Research Studies Journal

ISSN

1108-2976

e-ISSN

1108-2976

Svazek periodika

21

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

—

EID výsledku v databázi Scopus

2-s2.0-85062755404