Sensitivity analysis of loans to deposits in rural branches

Sensitivity analysis of loans to deposits in rural branches

Contexts in source publication

Context 1
... this survey, the targeted commercial banks and microfinance institutions were selected based on asset sizes reported in NBC's annual report of 2017 (National Bank of Cambodia 2017) and asked to provide data about branch-level information of deposits and loans by currencies. The targeted commercial banks and MFIs are presented in Table 4.1. In the implementation of this survey, we requested the targeted financial institutions to prepare a consolidated financial statement and branchlevel financial statements-each branch-level financial statement includes three types of reports: balance sheet; income statement; and information of interest rate and fee changes-and we collected those reports for five years : 2013, 2014, 2015, 2016, and 2017. ...
Context 2
... commercial banks did not respond or rejected our request to provide the reports. The final sample included nine commercial banks and 12 microfinance institutions (Table 4.1). Note that some branches do not keep a record of financial activities because the branch is open as a liaison office, or the data are only collected at a higher level of branches. ...
Context 3
... results are presented in Table 4.2. Since the lending behavior of branches is different in urban areas, and our interest is in how financial institutions reallocate to rural areas, we estimated this equation without the branches in Phnom Penh. ...

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