Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah

Selling loans is hardly new and the key objective is to remove these loans from the balance sheet ) that banks do not have to continue making provisions for them. In fact, during the dark days when the the region stagnated under the shadow of Asian financial crisis, housing loan worth some RM8 billi...

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Main Author: Zakariah, Sahidah
Format: Student Project
Language:English
Published: 2008
Subjects:
Online Access:http://ir.uitm.edu.my/id/eprint/33644/1/33644.pdf
http://ir.uitm.edu.my/id/eprint/33644/
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spelling my.uitm.ir.336442020-10-30T04:08:08Z http://ir.uitm.edu.my/id/eprint/33644/ Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah Zakariah, Sahidah Banking Bank loans. Bank credit. Commercial loans Bank reserves. Bank liquidity. Loan loss reserves Selling loans is hardly new and the key objective is to remove these loans from the balance sheet ) that banks do not have to continue making provisions for them. In fact, during the dark days when the the region stagnated under the shadow of Asian financial crisis, housing loan worth some RM8 billion had been acquired by CAGAMAS to help support ailing banking system. Through sales, benefits are achieved for banking institutions that act as loan originators. Many have shown the empirical benefits of loan sales via securitization, and the constructive effects it has on variability of banking capital. This paper empirically analyzes the impact of loan sales (specifically in housing loan sold to agamas) toward asset risk on Malayan Banking Berhad. Despite the fact that, the main fictive is to determined the relationship between loan sales and asset risk and also found out whether loan sales activities give an impact toward asset risk faced by Malayan Banking Berhad. The time frame of the research conducted is within ten years. Where, the data which have been used in this research is between year 1998 up to year 2007.The hypothesis was being tested using Pearson Correlation Coefficient and also Linear egression. The result gathered after hypothesis testing shows that loan sales have significant relationship with asset risk (where asset risk have been represented by ratio of loan sold to total sets, ratio of deposit to loan over 5 year maturity, ratio of loan loss reserves to total loan, and ratio of landed property loan to total asset). 2008-05 Student Project NonPeerReviewed text en http://ir.uitm.edu.my/id/eprint/33644/1/33644.pdf Zakariah, Sahidah (2008) Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah. [Student Project] (Unpublished)
institution Universiti Teknologi Mara
building Tun Abdul Razak Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknologi Mara
content_source UiTM Institutional Repository
url_provider http://ir.uitm.edu.my/
language English
topic Banking
Bank loans. Bank credit. Commercial loans
Bank reserves. Bank liquidity. Loan loss reserves
spellingShingle Banking
Bank loans. Bank credit. Commercial loans
Bank reserves. Bank liquidity. Loan loss reserves
Zakariah, Sahidah
Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah
description Selling loans is hardly new and the key objective is to remove these loans from the balance sheet ) that banks do not have to continue making provisions for them. In fact, during the dark days when the the region stagnated under the shadow of Asian financial crisis, housing loan worth some RM8 billion had been acquired by CAGAMAS to help support ailing banking system. Through sales, benefits are achieved for banking institutions that act as loan originators. Many have shown the empirical benefits of loan sales via securitization, and the constructive effects it has on variability of banking capital. This paper empirically analyzes the impact of loan sales (specifically in housing loan sold to agamas) toward asset risk on Malayan Banking Berhad. Despite the fact that, the main fictive is to determined the relationship between loan sales and asset risk and also found out whether loan sales activities give an impact toward asset risk faced by Malayan Banking Berhad. The time frame of the research conducted is within ten years. Where, the data which have been used in this research is between year 1998 up to year 2007.The hypothesis was being tested using Pearson Correlation Coefficient and also Linear egression. The result gathered after hypothesis testing shows that loan sales have significant relationship with asset risk (where asset risk have been represented by ratio of loan sold to total sets, ratio of deposit to loan over 5 year maturity, ratio of loan loss reserves to total loan, and ratio of landed property loan to total asset).
format Student Project
author Zakariah, Sahidah
author_facet Zakariah, Sahidah
author_sort Zakariah, Sahidah
title Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah
title_short Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah
title_full Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah
title_fullStr Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah
title_full_unstemmed Impact of loan sales towards asset risk of Malayan Banking Berhad / Sahidah Zakariah
title_sort impact of loan sales towards asset risk of malayan banking berhad / sahidah zakariah
publishDate 2008
url http://ir.uitm.edu.my/id/eprint/33644/1/33644.pdf
http://ir.uitm.edu.my/id/eprint/33644/
_version_ 1685651085745717248
score 13.160551