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Bank performance and credit risk management
University of Skövde, School of Technology and Society.
University of Skövde, School of Technology and Society.
2008 (English)Independent thesis Advanced level (degree of Master (One Year)), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

Banking is topic, practice, business or profession almost as old as the very existence of man, but literarily it can be rooted deep back the days of the Renaissance (by the Florentine Bankers). It has sprouted from the very primitive Stone-age banking, through the Victorian-age to the technology-driven Google-age banking, encompassing automatic teller machines (ATMs), credit and debit cards, correspondent and internet banking. Credit risk has always been a vicinity of concern not only to bankers but to all in the business world because the risks of a trading partner not fulfilling his obligations in full on due date can seriously jeopardize the affaires of the other partner.

The axle of this study is to have a clearer picture of how banks manage their credit risk. In this light, the study in its first section gives a background to the study and the second part is a detailed literature review on banking and credit risk management tools and assessment models. The third part of this study is on hypothesis testing and use is made of a simple regression model. This leads us to conclude in the last section that banks with good credit risk management policies have a lower loan default rate and relatively higher interest income.

Place, publisher, year, edition, pages
Skövde: Institutionen för teknik och samhälle , 2008. , 36 p.
Keyword [en]
bank performance, credit risk, credit model, interest income, non-performing loans
National Category
Economics
Identifiers
URN: urn:nbn:se:his:diva-1318OAI: oai:DiVA.org:his-1318DiVA: diva2:2459
Presentation
(English)
Uppsok
Social and Behavioural Science, Law
Supervisors
Examiners
Available from: 2008-06-22 Created: 2008-06-22 Last updated: 2010-02-12

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fulltext(248 kB)29188 downloads
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3d07c918c7d896d10aa239d4c01b289e5a4882faabfe9d3981c1510d84286b1953894be9
Type fulltextMimetype application/pdf

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CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf