Is the Special Purpose Vehicles Act responsible for the decline in NPL ratios?

Added Title

Special Purpose Vehicles Act

College

College of Science

Department/Unit

Chemistry

Document Type

Article

Source Title

DLSU Business and Economics Review

Volume

19

Issue

2

First Page

1

Last Page

10

Publication Date

1-1-2010

Abstract

This study aimed to determine if the SPV Act was actually responsible for the marked decline in NPL ratios this past four years. Using aggregated data for the entire Philippine Banking System, segregated according to type of bank, results suggest that the SPV Act was not responsible for the decline in the NPL ratios but may be attributed to a downward trend in the loan to asset ratio where values are getting closer to the interval for which NPL ratios are at a minimum, economic sluggishness as measured by deviations from the long run trend of macroeconomic variables, and seasonal patterns in macroeconomic variables coinciding with fluctuations in NPL ratios. © 2010 De La Salle University, Manila, Philippines.

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Digitial Object Identifier (DOI)

10.3860/ber.v19i2.1469

Disciplines

Economics

Keywords

Bank loans—Law and legislation--Philippines; Banking law--Philippines; Ratio analysis

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