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@article{7287,
author = {Kostikov, Eva and Jílková, Petra},
article_location = {Piraeus},
article_number = {2},
keywords = {Banking; marketing innovations; financial market; small and medium-sized enterprise},
language = {eng},
issn = {1108-2976},
journal = {European Research Studies Journal},
title = {Loan Product Policy and Rentability Based on Interest Rates in Czech Republic},
url = {https://www.ersj.eu/dmdocuments/44.CEPINOVA_ET_AL_XXI_2_18.pdf},
volume = {XXI},
year = {2018}
}
TY - JOUR
ID - 7287
AU - Kostikov, Eva - Jílková, Petra
PY - 2018
TI - Loan Product Policy and Rentability Based on Interest Rates in Czech Republic
JF - European Research Studies Journal
VL - XXI
IS - 2
SP - 575-585
EP - 575-585
PB - International Strategic Management Association
SN - 11082976
KW - Banking
KW - marketing innovations
KW - financial market
KW - small and medium-sized enterprise
UR - https://www.ersj.eu/dmdocuments/44.CEPINOVA_ET_AL_XXI_2_18.pdf
L2 - https://www.ersj.eu/dmdocuments/44.CEPINOVA_ET_AL_XXI_2_18.pdf
N2 - The Czech banking system is an innovation market driven by the power of new low-cost banks focused on young internet clients. We could say that it is profitable and one the most stable market in Eastern Europe. The purpose of this article is to analyse the effect of the interest rates on the loan product policy of selected banks in the Czech Republic, specifically in connection with the banking products offered to the SME segment. In particular, the final report focusses on measuring bank profitability based on interest rates on different products within a specific time period. Final touch of this article is complemented by a calculation of the additional ROE for the commercial bank using model based on itnerest margin and profitability of provided loans. We found out that the usage of different approaches of internal models with different combinations of key determinants can potentially increase the bank's profitability in the interval from 1,042 mil. to 24,300 mil. CZK
ER -
KOSTIKOV, Eva a Petra JÍLKOVÁ. Loan Product Policy and Rentability Based on Interest Rates in Czech Republic. \textit{European Research Studies Journal}. Piraeus: International Strategic Management Association, XXI, č.~2, s.~575-585. ISSN~1108-2976. 2018.
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