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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...

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Main Author: Raja Ramalingam, Muruga
Format: Monograph
Language:English
Published: Universiti Utara Malaysia 2009
Subjects:
HG Finance
Online Access:http://repo.uum.edu.my/2451/1/Sound_Credit_Underwriting-Does_It_Undermine_Growth.pdf
http://repo.uum.edu.my/2451/
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spelling my.uum.repo.24512016-04-25T08:25:49Z http://repo.uum.edu.my/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 http://repo.uum.edu.my/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 (Unpublished)
institution Universiti Utara Malaysia
building UUM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Utara Malaysia
content_source UUM Institutionali Repository
url_provider http://repo.uum.edu.my/
language English
topic HG Finance
spellingShingle HG Finance
Raja Ramalingam, Muruga
Sound credit underwriting: Does it undermine growth?
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.
format Monograph
author Raja Ramalingam, Muruga
author_facet Raja Ramalingam, Muruga
author_sort Raja Ramalingam, Muruga
title Sound credit underwriting: Does it undermine growth?
title_short 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_sort sound credit underwriting: does it undermine growth?
publisher Universiti Utara Malaysia
publishDate 2009
url http://repo.uum.edu.my/2451/1/Sound_Credit_Underwriting-Does_It_Undermine_Growth.pdf
http://repo.uum.edu.my/2451/
_version_ 1644278238818598912
score 13.211869

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