Some determinants of bank interest margins: the Philippine case
| dc.contributor.advisor | Medalla, Felipe M. | |
| dc.contributor.author | Billena, Maria Theresa C. | |
| dc.date.accessioned | 2024-11-12T06:44:18Z | |
| dc.date.available | 2024-11-12T06:44:18Z | |
| dc.date.issued | 1992-11 | |
| dc.description.abstract | The study addresses some of the variables that must be considered in understanding the spread between the bank's loan rate and its deposit rate. A hypothetical break-even margin is derived that incorporates the interest expense or explicit cost of funds, the reserve requirement ratio, the past due rate and the gross receipt tax. The study shows, that regression analysis confirms the significant relationship between the hypothetical break-even margin and the actual interest rate spread maintained by banks. The same framework is further used to show analytically that there is an implicit interaction between the different variables considered in this hypothetical break-even margin. | |
| dc.identifier.uri | https://selib.upd.edu.ph/etdir/handle/123456789/958 | |
| dc.language.iso | en | |
| dc.title | Some determinants of bank interest margins: the Philippine case | |
| dc.type | Thesis |