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Pregled bibliografske jedinice broj: 577500

The Cost of Funds and Pricing Loans of Croatian Banks: Evidence from a Vector Error Correction Model


Benazić, Manuel
The Cost of Funds and Pricing Loans of Croatian Banks: Evidence from a Vector Error Correction Model // Quality. Innovation. Future. / Ferjan, Kljajić Borštnar, Marič, Pucihar (ur.).
Maribor: Moderna organizacija, 2012. (predavanje, međunarodna recenzija, cjeloviti rad (in extenso), znanstveni)


CROSBI ID: 577500 Za ispravke kontaktirajte CROSBI podršku putem web obrasca

Naslov
The Cost of Funds and Pricing Loans of Croatian Banks: Evidence from a Vector Error Correction Model

Autori
Benazić, Manuel

Vrsta, podvrsta i kategorija rada
Radovi u zbornicima skupova, cjeloviti rad (in extenso), znanstveni

Izvornik
Quality. Innovation. Future. / Ferjan, Kljajić Borštnar, Marič, Pucihar - Maribor : Moderna organizacija, 2012

Skup
31st International Conference on Organizational Science Development

Mjesto i datum
Portorož, Slovenija, 21.03.2012. - 23.03.2012

Vrsta sudjelovanja
Predavanje

Vrsta recenzije
Međunarodna recenzija

Ključne riječi
banks; the cost of funds; pricing loans; VECM; Croatia

Sažetak
Accepting deposits and granting loans are the most important banking operations in which usual sources of funds are consisted of deposits and nondeposit liabilities. For pricing loans banks use various methods whereby the simplest method is based on the cost of funds which takes into account the cost of borrowing funds, operational and administrative costs, risks and profit margins. Therefore, to be profitable, banks revenues should be greater than their costs. It should be borne in mind that the cost of loans should be equal to marginal cost of borrowing funds, so when perfect competition and complete information are present, the increase in marginal costs will be fully transferred on their customers i.e. borrowers in the form of rising cost of loans. In other cases, the increase in costs of borrowed funds will be transferred to borrowers to a greater or lesser amount than the amount of the increase itself. The aim of this paper is to empirically determine the amount by which changes in the cost of borrowing funds of Croatian banks are transferred to their customers in the form of changes in the cost of loans. Interest rate on deposits is taken as the cost of borrowing funds while interest rate on loans presents the income. This study applies a time series analysis, i.e. a vector error correction model (VECM).

Izvorni jezik
Engleski

Znanstvena područja
Ekonomija



POVEZANOST RADA


Projekti:
145-0000000-2592 - Koliko države ili kakav sustav javnih financija treba Hrvatskoj u 21. stoljeću?
303-0000000-2592 - Koliko države ili kakav sustav javnih financija treba Hrvatskoj u 21. stoljeću? (Krtalić, Sandra, MZOS ) ( CroRIS)

Ustanove:
Sveučilište Jurja Dobrile u Puli

Profili:

Avatar Url Manuel Benazić (autor)


Citiraj ovu publikaciju:

Benazić, Manuel
The Cost of Funds and Pricing Loans of Croatian Banks: Evidence from a Vector Error Correction Model // Quality. Innovation. Future. / Ferjan, Kljajić Borštnar, Marič, Pucihar (ur.).
Maribor: Moderna organizacija, 2012. (predavanje, međunarodna recenzija, cjeloviti rad (in extenso), znanstveni)
Benazić, M. (2012) The Cost of Funds and Pricing Loans of Croatian Banks: Evidence from a Vector Error Correction Model. U: Ferjan, Kljajić Borštnar, Marič, Pucihar (ur.)Quality. Innovation. Future..
@article{article, author = {Benazi\'{c}, Manuel}, year = {2012}, keywords = {banks, the cost of funds, pricing loans, VECM, Croatia}, title = {The Cost of Funds and Pricing Loans of Croatian Banks: Evidence from a Vector Error Correction Model}, keyword = {banks, the cost of funds, pricing loans, VECM, Croatia}, publisher = {Moderna organizacija}, publisherplace = {Portoro\v{z}, Slovenija} }
@article{article, author = {Benazi\'{c}, Manuel}, year = {2012}, keywords = {banks, the cost of funds, pricing loans, VECM, Croatia}, title = {The Cost of Funds and Pricing Loans of Croatian Banks: Evidence from a Vector Error Correction Model}, keyword = {banks, the cost of funds, pricing loans, VECM, Croatia}, publisher = {Moderna organizacija}, publisherplace = {Portoro\v{z}, Slovenija} }




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