Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited

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Publisher : GRIN Verlag
ISBN 13 : 3668580227
Total Pages : 57 pages
Book Rating : 4.6/5 (685 download)

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Book Synopsis Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited by : Anthony Abaidoo

Download or read book Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited written by Anthony Abaidoo and published by GRIN Verlag. This book was released on 2017-11-27 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2015 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main purpose of this study was to examine the determinants of loan default and its effects on financial performance of commercial banks in Ghana by using Fidelity Bank Limited as a case study. The study employed quantitative and qualitative research techniques as the research design. In achieving the research objectives primary and secondary data was used. The primary data was collected through a well structured questionnaire. Simple random technique was used to select 120 loan clients and a purposive sampling was used to select a credit staff. The data was collected from four branches of Fidelity Bank in the Brong Ahafo Region of Ghana. It was realized that the delays in loan approval, poor management, poor credit appraisal and diversion of loans are the main determinants of loan default in Fidelity bank. The study also found that SME clients (49.5%) defaults more than agric, personal and salary loan clients. The major cause of loan default according to the findings of this study was decrease in demand of goods and service (16.1%) sold by the loan clients. Again, it was realized that loan default has a negative impact on profitability. It is recommended that the following measures should be implemented to reduce the rate of loan default; good credit structuring, consistent monitoring, sound credit risk policies and standards, quality analysis, well trained staff, good corporate governance system, independent credit assessment, rescheduling and provision of additional funds.

Credit Risk Management in Ghanaian Commercial Banks

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Publisher : GRIN Verlag
ISBN 13 : 3656397546
Total Pages : 99 pages
Book Rating : 4.6/5 (563 download)

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Book Synopsis Credit Risk Management in Ghanaian Commercial Banks by : Michael Nyarko-Baasi

Download or read book Credit Risk Management in Ghanaian Commercial Banks written by Michael Nyarko-Baasi and published by GRIN Verlag. This book was released on 2013-03-27 with total page 99 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2012 in the subject Business economics - Investment and Finance, grade: B, Methodist University College Ghana, language: English, abstract: This study focused on the challenges of Credit Risk Management in Ghanaian Commercial Banks with the searchlight on the operations of Barclays Bank Ghana (BBG), Ghana Commercial Bank (GCB), Zenith Bank Ghana and Merchant Bank Ghana (MBG), all operating in the Accra Business District. The study essentially had the objective of examining the loan application appraisal processes of these banks as well as ascertaining the adequacy of their loan monitoring mechanism. In conducting the study, the researcher adopted the questionnaire technique as the research instrument to solicit information from both customers and officials of the banks. Purposive sampling technique was employed in selecting officials from the banks whose duties centered on Credit Risk Management. Random sampling technique also helped the researcher in selecting the sample size for the customers of the banks. Findings made uncovered the fact that poor sales and exchange rate losses, product substitutes due to trade liberalization and inability to enter into the foreign market and account for a chuck of the loan default cases experienced by the banks. It is recommended, among others, that the Government’s information on Venture Capital Trust fund should be made more accessible to the SMEs sectors through official sponsored workshops whilst the capacity and logistics of the Eximguaranty Limited are strengthened to alleviate the credit requirement ‘headaches’ of SMEs. Conclusions drawn centered on the fact that some banks minimize risk factors in credit management by entering into some covenants with borrowers’ under which certain figures and ratios are periodically sent to the banks electronically. Most banks also dispatch their officials to monitor and evaluate the loan disbursement schedules agreed with the customer to minimize bad debt associated with SMEs.

Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3346123812
Total Pages : 68 pages
Book Rating : 4.3/5 (461 download)

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Book Synopsis Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia by : Mequanint Zeleke

Download or read book Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia written by Mequanint Zeleke and published by GRIN Verlag. This book was released on 2020-03-02 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (undergraduate) from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: This study is attempted to examine factors affecting non -performing loan of development bank of Ethiopia. The main objective is to examine the factors affecting nonperforming loans in DBE central region. After problem identification, research hypothesis was developed which inquires the relationship and effect of non-performing loans on development bank of Ethiopia. Both secondary and primary data were used in the research. The data is then analyzed using descriptive, correlation and regression techniques through SPSS and Stata software program. The findings of the study revealed that gross domestic product has a positive impact on the occurrence of non-performing loans while other model variables unemployment, inflation rate and exchange rate have no impact on the occurrence of non-performing loan in which negatively affect non-performing loan. according to my study result. Also the result of the primary data indicated that in regarding about customer's specific causes, the result showed that credit culture of customers, lack of business knowledge, delayed approval, profit of the business, business location were determinants of non-performing loan while bank specific factors include poor credit assessment, poor customer selection, aggressive lending policy, borrowers culture, credit size affected non-performing loan.

The Impact of Mergers and Acquisition Activities on the Performance of Commercial Banks in Ghana

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Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (99 download)

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Book Synopsis The Impact of Mergers and Acquisition Activities on the Performance of Commercial Banks in Ghana by : Isaac Reginald Quaynor

Download or read book The Impact of Mergers and Acquisition Activities on the Performance of Commercial Banks in Ghana written by Isaac Reginald Quaynor and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Borrowers' characteristics and their impact on repayment behaviour in Sri Lanka. An application of discriminant and logistic models

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Publisher : GRIN Verlag
ISBN 13 : 3346085368
Total Pages : 52 pages
Book Rating : 4.3/5 (46 download)

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Book Synopsis Borrowers' characteristics and their impact on repayment behaviour in Sri Lanka. An application of discriminant and logistic models by : Aruppillai Thayaparan

Download or read book Borrowers' characteristics and their impact on repayment behaviour in Sri Lanka. An application of discriminant and logistic models written by Aruppillai Thayaparan and published by GRIN Verlag. This book was released on 2019-12-18 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Document from the year 2019 in the subject Business economics - Investment and Finance, , course: ECONOMICS, language: English, abstract: The main objective of the study is to identify the borrower characteristics that discriminate them into defaulters and non- defaulters and examine the determinants of loan repayment and their credit worthiness in Microfinance institutions in Vavuniya district in Sri Lanka. In line with above general objective, this study has the following specific objectives: To identify the borrower characters those classify them into defaulters and non-defaulters in the study area. To evaluate the impact of major demographic characters such as age, gender, levels of education, civil status and family members of the borrowers that impact on their repayment performance and credit worthiness. To investigate how the farming characters like income, farm size, ownership of land, farming experience and availability of non-farm income as well as farmers' attributes such as purposes of loan, crop failure, weather conditions and knowledge about loans affect loan repayment and discriminate the borrowers into two groups in the study area. Financial institutions and banks have major role in financial sector as well as rural sector of an economy in terms of providing loans to the rural community in developing countries like Sri Lanka. The borrowers especially, farmers are able to get the loans from the microfinance institutions to improve their living standard through agricultural activities and generate their income. Even the borrowers have chances to receive the loans, the microfinance institutions and banks are facing the problems to recover the loans from the borrowers. Thus, default rate among the borrowers has been increasing over time which is the difficult task to manage the banks and financial institutions. There are a number of many factors particularly demographic and farming characters that affect the loan repayment rates. There has not been any empirical research conducted regarding to repayment performance among the borrowers who get the loans from SANASA Thrift, Credit and Cooperative Society (TCCS) banks in Vavuniya district. Therefore, this study tries to provide the relevant information for a better understanding on the determinants of loan repayment performance of the borrowers and the information will be useful for policy makers, other lending institutions and stakeholders for their future decision making on granting the loans for their clients.

Effects Of Credit Default On Performance Of Commercial Banks In Kenya

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Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783659349645
Total Pages : 80 pages
Book Rating : 4.3/5 (496 download)

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Book Synopsis Effects Of Credit Default On Performance Of Commercial Banks In Kenya by : Teclah Tuwei

Download or read book Effects Of Credit Default On Performance Of Commercial Banks In Kenya written by Teclah Tuwei and published by LAP Lambert Academic Publishing. This book was released on 2013 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the years, financial institutions have faced difficulties for a number of reasons, but the major cause of serious banking problems continues to be directly related to credit defaults as seen in the large portfolio of nonperforming loans in the different banks in the world. Credit being the main earning asset of a bank, its default affects commercial banks' performance by reducing profits and increasing the costs of operation. Among the effects of credit default rated highly include: reduction of profits, increased costs of operation and the slowing down of economic growth. Outright default, exposure position and inability of customer to finance the debt due to eventualities not foreseen at the time of the contract are the major causes of Credit default. To mitigate this risk bank management should ensure that superior strategies for lending, managing and recovery of credit are up and running and must be continuously improved. This is a resourceful book for all financial Policy Makers, Bankers, Insurance firms and Scholars and Researchers as a reference point for further research and knowledge generation

Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches

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Publisher : GRIN Verlag
ISBN 13 : 3346985059
Total Pages : 92 pages
Book Rating : 4.3/5 (469 download)

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Book Synopsis Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches by :

Download or read book Assessing Non-Performing Loans in the Development Bank of Ethiopia, Bahir Dar District. An Analysis of Determinants Using Quantitative and Qualitative Approaches written by and published by GRIN Verlag. This book was released on 2023-12-19 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2023 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main objective of this study was to examine the determinants of non-performing loans in the case of the Development Bank of Ethiopia, Bahir Dar District. Descriptive and explanatory research designs were employed. The study uses both a quantitative and qualitative research approach. The study also uses both primary and secondary data sources. The primary source was collected from all 125 employees using questionnaires and interviews conducted with concerned managerial staffs of the district. The secondary source was gathered from DBE manuals, policy and procedure of the bank, NBE directives, bank's T-24 system, loan positions and provisions documents. The data was analyzed and interpreted by using descriptive and inferential statistics with the help of SPSS version 22.0 and qualitative analysis like interview and document analysis. The correlation between independent variables (bank specific and External factor) and dependent variables (nonperforming loan) were tested by using person correlation and the casual relation was analyzed by using linear multiple regression analysis. The finding of the study indicate that credit assessment, project monitoring, credit appraisal, bank top management, political and social instability, availability of infrastructure, collateral strength and market factor are significant factors for occurrence of non-performing loans. However, credit term and condition and lending interest rate are insignificant factor for the occurrence of non-performing loans. Finally, the study recommends the district should perform proper selection of customers and make appropriate due diligence based on KYC assessments, proper monitoring and follow up as per the schedule, make accurate credit appraisal, granting loans via strong collateral coverage, sound decision made by top management based on policy and procedure of the bank, improve capacity of credit performer by providing relevant training.

Determinants and Performance of Non-Performing Loans of Selected Commercial Banks in Ghana

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Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (129 download)

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Book Synopsis Determinants and Performance of Non-Performing Loans of Selected Commercial Banks in Ghana by : Isaac Adu Larbi

Download or read book Determinants and Performance of Non-Performing Loans of Selected Commercial Banks in Ghana written by Isaac Adu Larbi and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Non-performing loan had been a challenge of banks in Ghana and its impact on their asset quality is very challenging. This study examined the determinants of non-performing loans and their impact on profitability of banks and capital adequacy of banks. The study adopted three specific research objectives which were to examine the determinants of non-performing loans of commercial banks, examine the effect of non-performing loans on the profitability of the selected commercial banks in Ghana and examine the effect of non-performing loans on the capital adequacy of the selected commercial banks. The study adopted a quantitative research approach and used pooled ordinary least square regression as the estimation technique. The study used Pearson correlation test to test the association of the variables and it was found that non-performing loans and profitability have negative relationship and very significant. It was revealed that non-performing loans have negative and significant relationship with capital adequacy. The study further revealed that inflation rate, economic growth, risk tolerance of banks, loan growth, management quality and size were major determinants of non-performing loans and very significant.

Ghana

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Publisher : International Monetary Fund
ISBN 13 : 1455279544
Total Pages : 56 pages
Book Rating : 4.4/5 (552 download)

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Book Synopsis Ghana by : International Monetary Fund

Download or read book Ghana written by International Monetary Fund and published by International Monetary Fund. This book was released on 2011-06-14 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the 2003 Financial Stability Assessment Program (FSAP) update, Ghana’s financial system has undergone rapid growth and structural transformation. The authorities have been implementing reforms to enhance the financial system’s resilience to shocks and its contribution to growth. The vulnerabilities reflect the interplay of several factors, but state involvement is an important element. The other contributory factors include deficiencies in commercial banks’ risk management, supervision, and the insolvency regime. Additional recommendations are detailed in the Report on the Standards and Codes on Compliance (ROSC) with the Basel Core Principles (BCP).

The Effects of Financial Risks on Financial Performance of Commercial Banks in Nigeria

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Publisher :
ISBN 13 :
Total Pages : 167 pages
Book Rating : 4.:/5 (113 download)

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Book Synopsis The Effects of Financial Risks on Financial Performance of Commercial Banks in Nigeria by : Olalere Oluwaseyi Ebenezer

Download or read book The Effects of Financial Risks on Financial Performance of Commercial Banks in Nigeria written by Olalere Oluwaseyi Ebenezer and published by . This book was released on 2017 with total page 167 pages. Available in PDF, EPUB and Kindle. Book excerpt: Given limited resources and time, the research scope is to study the effect of financial risk on financial performance of commercial banks in Nigeria. In achieving these objectives, the study collects a 7-years’ time-series data from corporate annual report and financial statements for the period 2009-2015. The choice of the years is the data availability for most of the banks during this period. Meanwhile, few banks have liquidated while some were established during this period. The selected commercial banks are listed financial institutions in the Nigerian Stock Exchange (NSE). Using this report, the study selects a total of sixteen Nigerian commercial banks. The choice of the banking sector is based on the pivotal role of the banking industry in triggering a financial crisis. The data used for this study are limited to annual reports, which are readily available at the Central Bank of Nigeria Statistical Database online and applies to commercial banks in Nigeria. However, the study focused on the financial risk faced by commercial banks in Nigeria, and their financial performance was aimed at addressing the challenge of ever emerging risks within the sector. It was an attempt to critically examine the various practices through which commercial banks manage various types of risks that they face, and then determine the relationship that exists between financial risk and the financial performance of banks. This study, therefore, sought to fill the gap in knowledge on the effects of financial risks on financial performance of commercial banks in Nigeria.

Access to Financial Services in Brazil

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Publisher : World Bank Publications
ISBN 13 : 9780821357163
Total Pages : 698 pages
Book Rating : 4.3/5 (571 download)

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Book Synopsis Access to Financial Services in Brazil by : Anjali Kumar

Download or read book Access to Financial Services in Brazil written by Anjali Kumar and published by World Bank Publications. This book was released on 2005 with total page 698 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is an increasing awareness that access to financial services can contribute to economic growth and poverty reduction. This study focuses on the delivery of financial services in Brazil, one of the world's most important emerging financial markets. It examines different aspects of financial service provision, and explores approaches to address problems of financial exclusion. Topics discussed include: microfinance schemes; private banking; rural finance systems; institutional infrastructure; and the role of government policy.

Financialisation and Poverty Alleviation in Ghana

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Publisher : BRILL
ISBN 13 : 9004500022
Total Pages : 285 pages
Book Rating : 4.0/5 (45 download)

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Book Synopsis Financialisation and Poverty Alleviation in Ghana by : Francis Boateng Frimpong

Download or read book Financialisation and Poverty Alleviation in Ghana written by Francis Boateng Frimpong and published by BRILL. This book was released on 2021-11-22 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: Francis Frimpong argues that the exponential growth of finance and credit infrastructures in Ghana did not alleviate poverty in the country. It has, however, resulted in rising financial profits, financialising poverty and stagnating the real sector of the economy

Financial Structure and Economic Growth

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Publisher : MIT Press
ISBN 13 : 9780262541794
Total Pages : 452 pages
Book Rating : 4.5/5 (417 download)

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Book Synopsis Financial Structure and Economic Growth by : Aslı Demirgüç-Kunt

Download or read book Financial Structure and Economic Growth written by Aslı Demirgüç-Kunt and published by MIT Press. This book was released on 2001 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: CD-ROM contains: World Bank data.

Controlling Currency Mismatches in Emerging Markets

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Publisher : Columbia University Press
ISBN 13 : 0881324574
Total Pages : 181 pages
Book Rating : 4.8/5 (813 download)

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Book Synopsis Controlling Currency Mismatches in Emerging Markets by : Morris Goldstein

Download or read book Controlling Currency Mismatches in Emerging Markets written by Morris Goldstein and published by Columbia University Press. This book was released on 2004-04-25 with total page 181 pages. Available in PDF, EPUB and Kindle. Book excerpt: In most of the currency crises of the 1990s, the largest output falls have occurred in those emerging economies with large currency mismatches, a phenomenon that occurs when assets and liabilities are denominated in different currencies such that net worth is sensitive to changes in the exchange rate. Currency mismatching makes crisis management much more difficult since it constrains the willingness of the monetary authority to reduce interest rates in a recession (for fear of initiating a large fall in the currency that would bring with it large-scale insolvencies). The mismatching also produces a "fear of floating" on the part of emerging economies, sometimes inducing them to make currency-regime choices that are not in their own long-term interest. Authors Morris Goldstein and Philip Turner summarize what is known about the origins of currency mismatching in emerging economies, discuss how best to define and measure currency mismatching, and review policy options for reducing the size of the problem.

The Microfinance Revolution

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Publisher : World Bank Publications
ISBN 13 : 0821383388
Total Pages : 358 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis The Microfinance Revolution by : Marguerite Robinson

Download or read book The Microfinance Revolution written by Marguerite Robinson and published by World Bank Publications. This book was released on 2001-06-01 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: Around the world, a revolution is occurring in finance for low-income people. The microfinance revolution is delivering financial services to the economically active poor on a large scale through competing, financially self-sufficient institutions. In a few countries this has already happened; in others it is under way. The emerging microfinance industry has profound implications for social and economic development. For the first time in history, capital is well on its way to being democratized. 'The Microfinance Revolution', in three volumes, is aimed at a diverse readership - economists, bankers, policymakers, donors, and social scientists; microfinance practitioners and specialists in local finance and rural and urban development; and members of the general public interested in development. This first volume, 'Sustainable Finance for the Poor', focuses on the shift from government- and donor-subsidized credit systems to self-sufficient microfinance institutions providing voluntary savings and credit services.

From Evidence to Action

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Publisher : Food & Agriculture Org.
ISBN 13 : 9251089817
Total Pages : 404 pages
Book Rating : 4.2/5 (51 download)

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Book Synopsis From Evidence to Action by : Food and Agriculture Organization of the United Nations

Download or read book From Evidence to Action written by Food and Agriculture Organization of the United Nations and published by Food & Agriculture Org.. This book was released on 2018-10-18 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cash transfers have become a key social protection tool in developing countries and have expanded dramatically in the last two decades. However, the impacts of cash transfers programmes, especially in Sub-Saharan Africa, have not been substantially documented. This book presents a detailed overview of the impact evaluations of these programmes, carried out by the Transfer Project and FAO’s From Protection to Production project. The 14 chapters include a review of eight country case studies: Kenya, Ghana, Ethiopia, Zambia, Zimbabwe, Lesotho, Malawi, South Africa, as well as a description of the innovative research methodologies, political economy issues and good practices to design cash transfer programmes. The key objective of the book is to enhance the understanding of these development programmes, how they lead to a broad range of social and productive impacts and also of the role of programme evaluation in the process of developing policies and implementing programmes.

Problem Loans and Cost Efficiency in Commercial Banks

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Publisher :
ISBN 13 :
Total Pages : 54 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Problem Loans and Cost Efficiency in Commercial Banks by : Allen N. Berger

Download or read book Problem Loans and Cost Efficiency in Commercial Banks written by Allen N. Berger and published by . This book was released on 1995 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: