The relationship between variations in intrest spread pricing (ISP) and profitability of bank's overdraft (OD) facility business borrowers / Andrew Balasan Siang

Siang, Andrew Balasan (2006) The relationship between variations in intrest spread pricing (ISP) and profitability of bank's overdraft (OD) facility business borrowers / Andrew Balasan Siang. [Student Project] (Unpublished)

Abstract

Lending is the primary function of banking. Loans and advances comprised bulk of a bank's assets which shall provide the major portion of earnings and profitsLosses on loans granted to borrowers (deficit units in banking terms) can marginalize the margin of safety provided by the bank's networth (capital + accumulated profits) and may jeopardize the bank's ability to honour its depositors (surplus units in banking terms) for funds. Hence, being the custodian of both public and private funds, banks must at all time practise sound and prudent banking practices. This means that banks must never put the depositors' trust at risk by taking unmitigated risks when granting loans and advances to its business borrowers.

Metadata

Item Type:	Student Project
Creators:	Creators Email / ID Num. Siang, Andrew Balasan 2001612055
Subjects:	H Social Sciences > HG Finance > Banking H Social Sciences > HG Finance > Money > Money and prices. Inflation. Deflation. Purchasing power
Divisions:	Universiti Teknologi MARA, Sarawak > Kota Samarahan Campus > Faculty of Information Management
Programme:	Bachelor Of Business Administration With Honours (Marketing)
Keywords:	banking, loans
Date:	May 2006
URI:	https://ir.uitm.edu.my/id/eprint/42650