Sound credit underwriting: Does it undermine growth?
This paper explores the relationship between credit underwriting standards and loan growth for the Malaysian banking industry and selected banks using correlation and trend analysis. The paper also attempted to identify whether there were any differences between local banks and foreign banks using...
| 第一著者: | |
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| フォーマット: | Monograph |
| 言語: | English |
| 出版事項: |
Universiti Utara Malaysia
2009
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| 主題: | |
| オンライン･アクセス: | https://repo.uum.edu.my/id/eprint/2451/1/Sound_Credit_Underwriting-Does_It_Undermine_Growth.pdf |
| _version_ | 1825739974488621056 |
|---|---|
| author | Raja Ramalingam, Muruga |
| author_facet | Raja Ramalingam, Muruga |
| author_sort | Raja Ramalingam, Muruga |
| collection | UUM |
| description | This paper explores the relationship between credit underwriting standards and loan growth for the Malaysian banking industry and selected banks using correlation and
trend analysis. The paper also attempted to identify whether there were any differences between local banks and foreign banks using the Paired-Samples T-Test. It
was found that sound credit underwriting practice generally undermines loan growth.However banks employing superior loan technology are able to achieve high loan growth without compromising credit standards with the use of proper loan technology.Although local banks appear to outperform the foreign banks both in terms of loan
growth and NPL, further studies involving a larger pool of local and foreign banks are needed before generalisation could be made. |
| first_indexed | 2024-07-04T05:19:03Z |
| format | Monograph |
| id | uum-2451 |
| institution | Universiti Utara Malaysia |
| language | English |
| last_indexed | 2024-07-04T05:19:03Z |
| publishDate | 2009 |
| publisher | Universiti Utara Malaysia |
| record_format | eprints |
| spelling | uum-24512016-04-25T08:25:49Z https://repo.uum.edu.my/id/eprint/2451/ Sound credit underwriting: Does it undermine growth? Raja Ramalingam, Muruga HG Finance This paper explores the relationship between credit underwriting standards and loan growth for the Malaysian banking industry and selected banks using correlation and trend analysis. The paper also attempted to identify whether there were any differences between local banks and foreign banks using the Paired-Samples T-Test. It was found that sound credit underwriting practice generally undermines loan growth.However banks employing superior loan technology are able to achieve high loan growth without compromising credit standards with the use of proper loan technology.Although local banks appear to outperform the foreign banks both in terms of loan growth and NPL, further studies involving a larger pool of local and foreign banks are needed before generalisation could be made. Universiti Utara Malaysia 2009-01-10 Monograph NonPeerReviewed application/pdf en https://repo.uum.edu.my/id/eprint/2451/1/Sound_Credit_Underwriting-Does_It_Undermine_Growth.pdf Raja Ramalingam, Muruga (2009) Sound credit underwriting: Does it undermine growth? Discussion Paper. Universiti Utara Malaysia. (Unpublished) |
| spellingShingle | HG Finance Raja Ramalingam, Muruga Sound credit underwriting: Does it undermine growth? |
| title | Sound credit underwriting: Does it undermine growth? |
| title_full | Sound credit underwriting: Does it undermine growth? |
| title_fullStr | Sound credit underwriting: Does it undermine growth? |
| title_full_unstemmed | Sound credit underwriting: Does it undermine growth? |
| title_short | Sound credit underwriting: Does it undermine growth? |
| title_sort | sound credit underwriting does it undermine growth |
| topic | HG Finance |
| url | https://repo.uum.edu.my/id/eprint/2451/1/Sound_Credit_Underwriting-Does_It_Undermine_Growth.pdf |
| work_keys_str_mv | AT rajaramalingammuruga soundcreditunderwritingdoesitunderminegrowth |