An Evaluation of the micro level and macro level impact of non-performing assets among universal banks in the Philippines from the period of 1999 to 2007
Date of Publication
2008
Document Type
Bachelor's Thesis
Degree Name
Bachelor of Science in Management of Financial Institutions
College
Ramon V. Del Rosario College of Business
Department/Unit
Financial Management
Thesis Adviser
Lawrence T. Co
Defense Panel Member
Manrico Masagca
Paul Sy
Abstract/Summary
Banking and financial institutions play a major role in a country's economic standpoint. Their development and progress dictate the economic and financial stability that a country needs to sustain. Non-Performing Assets are defined as obligations that are past due for more than ninety days. These are mainly due to credit risk in which borrowers are unable to meet their loan obligations. While there are many other variables affecting the overall performance of banks, Non-Performing Assets are increasingly becoming one of the factors for a bank's decrease in its profitability. The paper examines the effects of Non-Performing Assets on a micro and macro level of data variables in the Philippines banking industry. Using data from universal banks in the Philippines, the paper tests these micro and macro level variables using the Ordinary Least Squares Method. Micro level variables that will be studied are the universal banks' Profitability, Universal Bank's Efficiency, Capital Adequacy compliance and universal bank's Credit Deployment. Gross Domestic Product and inflation rate will be the macro level variables that will be analyzed. The paper aims to determine how much of an influence Non-Performing Assets has on these variables and in doing so, be able to come up with ways to lessen or counteract this effect.
Abstract Format
html
Language
English
Format
Accession Number
TU14825
Shelf Location
Archives, The Learning Commons, 12F, Henry Sy Sr. Hall
Physical Description
96 leaves ; 28 cm. + 1 computer optical disc
Keywords
Banks and banking--Philippines; Finance--Philippines"
Recommended Citation
Guilalas, J., Nocon, E., Tan, R. G., & Vitug, P. (2008). An Evaluation of the micro level and macro level impact of non-performing assets among universal banks in the Philippines from the period of 1999 to 2007. Retrieved from https://animorepository.dlsu.edu.ph/etd_bachelors/14451
