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http://dx.doi.org/10.17703/JCCT.2020.6.4.379

The Effect of Financial Condition in Saving Banks on Loan Portfolio  

Bae, Soo Hyun (Business School. Daegu Catholic University)
Publication Information
The Journal of the Convergence on Culture Technology / v.6, no.4, 2020 , pp. 379-384 More about this Journal
Abstract
The purpose of this study is to analyze the impact of individual savings banks' financial conditions on their loan portfolio after savings bank restructuring. The analysis results are as follows. First, it was estimated that the relationship between the rate of change in the NPL Ratio and the ratio of household loans has a significant positive value. Second, it was estimated that the interaction effect between the rate of change in the ratio of fixed and below loans and the spread of the deposit-to-deposit rate has a significant negative (-) value with the household loan weight. Third, the relationship between the asset size and the proportion of household loans was estimated to have a significant positive (+) value. In other words, it was analyzed that the financial situation of the savings bank affects the loan portfolio, and it should provide important implications for establishing policies for each financial situation of the savings bank. Depending on the financial situation in the future, there is a need to avoid excessive asset expansion of specific loans and preemptive soundness management.
Keywords
Savings Banks; Household Loan Ratio; NPL Ratio; Deposite Spread; Financial Situations;
Citations & Related Records
Times Cited By KSCI : 2  (Citation Analysis)
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