Abstract:
The purpose of this paper is to examine the impact of internal and external
factors on the ratio of outstanding claims in those banks which are accepted
in Tehran Stock Exchange. For this purpose, we used the data obtained from
8 banks and credit institution active in the Tehran Stock Exchange and using
data regression panel. The present survey was examined over the period
2011 till 2015. The study includes three external variables (inflation, GDP
and interest rates) and two internal variables (rate of return on assets and the
size of the bank).
The results of the hypothesis study showed that the rate of inflation, GDP and
asset returns had significant negative effect on the ratio of outstanding
claims. The results also showed a positive significant impact of the interest
rates on outstanding claims, but there was no evidence to prove a significant
impact of the banks size on outstanding claims.
Machine summary:
The results of the hypothesis study showed that the rate of inflation, GDP and asset returns had significant negative effect on the ratio of outstanding claims.
In his study investigated the causes of outstanding claims and deferred housing bank facilities during the period 1987-1998 and the factors affecting the development of past receivables and divided it as intra system (the number of branches, deposit amount, amount of facilities, annual average number of employees of branches and service branch offi- cials) and extra system (unorganized money market interest rates and inflation).
According to research results, variable like size and maturity of bank and loans have a negative impact on Non-current loans and the rest of the factors have not signifi- cant effect on the dependent variable [5] have done a study on banking crises and financial de- pendence and economic growth, in his article, he examined the mechanisms that links banking crisis to the real sector of the working economy [11].
Regression model used is as follows: (View the image of this page) Where in: NPL: the ratio of non-performing loans Rate: credit rate Roa: return on assets Size: the natural logarithm of the total assets (size bank) Hypotheses According to the theoretical principles presented in the previous parts of review of literature, this study has one main hypothesis and five sub-hypothesis as follow: The main hypothesis: There is a significant relationship between internal and external factors and outstanding claims.