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Structural Determinants of the Total Loans Volume in the Czech Republic

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  • Iveta Řepková

Abstract

The aim of this paper is to analyze the structural determinants of the total loans volume in the Czech banking sector. Analysis of five selected characteristics is realized in period 2000-2008. It used the OLS regression analysis for estimate of model. The regression analysis showed that the concentration of the credit market and the profitability calculated as the return on assets (ROA) has positive impact to total loans and the quality of portfolio has negative impact to total loans. If the share of classified loans to total loans is decreasing, total loans volume is rising and if concentration ratio of the credit market and return of assets are rising, total loans volume is also rising.

Suggested Citation

  • Iveta Řepková, 2010. "Structural Determinants of the Total Loans Volume in the Czech Republic," European Financial and Accounting Journal, Prague University of Economics and Business, vol. 2010(3), pages 75-83.
    • Handle: RePEc:prg:jnlefa:v:2010:y:2010:i:3:id:56:p:75-83
    DOI: 10.18267/j.efaj.56
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    References listed on IDEAS

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    1. Gabriela Castro & Carlos Santos, 2010. "Bank Interest Rates and Loan Determinants," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
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    More about this item

    Keywords

    Banking sector; Concentration; Interest rate; Ordinary least squares (OLS); Profitability; Regression analysis; Return on Assets (ROA); Total loans;
    All these keywords.

    JEL classification:

    • C58 - Mathematical and Quantitative Methods - - Econometric Modeling - - - Financial Econometrics
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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