The relationship of changes of efficiency of banking institution during and without crisis in Malaysia / Khairulzaman Azhar

• Main Author: Azhar, Khairulzaman
• Format: Thesis
• Language: English
• Published: 2020
• Subjects: Banking; Interest rates. Interest tables; Capital costs
• Online Access: https://ir.uitm.edu.my/id/eprint/60270/1/60270.pdf; https://ir.uitm.edu.my/id/eprint/60270/

This study aims to examine the relationship of changes of efficiency during the crisis and without the crisis and the based on the factors that can affect during that time. I use data obtained from 1991 through 2020. The goal of this study is to find out the independent variables that affect the efficiency of banking institution using data from time series over the last 30 years. For analytical research I use the OLS regression. The conclusion I obtained from this analysis is that financial institution was affected during the crisis due to regulation imposed by the government that reduce them from to uses fund for the lending more loan. Each banking institution has learned from time to time during the previous crisis to reduce the risk faced. Also from time to time, the improvement of technology will gain banking institutions in managing the productivity of business. For this report, I use loans lend by banking institutions, total investments have done by banking institutions, capital used by the banking institutions, interest rate imposed by the banking institutions as my independent variables that have a major effect on banking institutions. I use bank's income to measure which year that the crisis happened that affect more.