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[DOC File]THE IMPACT OF INTEREST RATE CHANGES ON THE …
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Rosly explains that for conventional banks, the base lending rate (BLR) and deposit rates would change accordingly to changes in the market interest rates. A rise in the market interest rate would cause the rate of return on deposits to increase. This would increase the bank’s cost of funds which would in turn cause the interest rate on loans to rise at least in proportion to the increase in ...
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[DOC File]The Determinants of Bank Loan Pricing
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They found that these variables are significant for aggregate interest rates at the 5% level: the Prime Rate, the spread of BAA bonds above Treasuries, whether the loan is floating or fixed, log borrower assets, the rate of borrower sales growth, its coverage of interest by profits, the mean gross-profits-to-assets ratio for the industry, the age of the firm, and the number of banks from which ...
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[DOC File]Introduction to Interest Rate Risk
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Query: In times of (highly volatile / relatively stable interest rates) banks will typically choose a smaller DGAP? An "Immunized" portfolio is one which is not exposed to interest rate risk (DGAP = 0). (RELATE to the formula for a change in equity value above) Creating An Immunized Balance Sheet. SUPPOSE that your bank has the following (simplified) B/S: ( in 1000s) assets Liabilities & OE ...
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[DOC File]Narkornthon Bank
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An increase in underlying rates boosts income on loans, increases the interest expense paid on deposits and will likely attract deposits to the bank, but may depress overall loan volume. The importance of loan losses, non-performing loans, loan write-offs and recoveries on non-performing loans also complicate development of an accurate model. Nakornthon’s model was further complicated by the ...
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[DOC File]Factors Affecting Interest Rates
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If private banks use these reserves to make loans, the supply of credit increases, and short-term interest rates fall. The Fed continues purchases until the Fed Funds rate reaches the target rate. To raise interest rates, the Fed sells government securities, reducing reserves in the banking system and decreasing the supply of credit. Policy actions that add reserves back into the banking ...
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Banks interest rates on loans