The Impact of Housing Loan/Financing on Malaysian Bank Risk Performances
This study investigates the impact of housing loan/financing on bank risk performances in Malaysia. The data is collected from 12 commercial banks and 12 Islamic banks in Malaysia within the period of 2002-2016. Nonperforming loan (NPL) and loan loss provision (LLP) are used as proxies for bank risk...
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| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
| Published: |
Academic Research Publishing Group
2018
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| Subjects: | |
| Online Access: | https://repo.uum.edu.my/id/eprint/31375/1/JSSR%2006%2006%202018%20140-144.pdf https://doi.org/10.32861/jssr.spi6.140.144 https://repo.uum.edu.my/id/eprint/31375/ https://arpgweb.com/journal/journal/7/special_issue https://doi.org/10.32861/jssr.spi6.140.144 |
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| Summary: | This study investigates the impact of housing loan/financing on bank risk performances in Malaysia. The data is collected from 12 commercial banks and 12 Islamic banks in Malaysia within the period of 2002-2016. Nonperforming loan (NPL) and loan loss provision (LLP) are used as proxies for bank risk and they are regressed with housing loan/financing, expenses, total loan, income, gross domestic product and inflation. The results from Random and Fixed Effect models show that housing loan/financing has significant impact on the NPL and the LLP of commercial banks and Islamic banks. The results also show that even though commercial banks seem to dominate housing loan/financing market, but Islamic banks are capable to compete with commercial bank in this specific type of financing |
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