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A combined principal component analysis-regression analysis model to study the effect on technical efficiency of bad loans in bank industry

Omid Mashhadifarahani ; Department of Management, Shahre Qods Branch, Islamic Azad University, Tehran, Iran
Narges Rezavi ; Department of Industrial Engineering, Khatam Institute of Higher Education, Tehran, Iran
Loghman Hatami-Shirkouhi ; Roudbar Branch, Islamic Azad University, Roudbar, Iran

Puni tekst: engleski, pdf (794 KB) str. 1071-1075 preuzimanja: 219* citiraj
APA 6th Edition
Mashhadifarahani, O., Rezavi, N. i Hatami-Shirkouhi, L. (2013). A combined principal component analysis-regression analysis model to study the effect on technical efficiency of bad loans in bank industry. Tehnički vjesnik, 20 (6), 1071-1075. Preuzeto s https://hrcak.srce.hr/112328
MLA 8th Edition
Mashhadifarahani, Omid, et al. "A combined principal component analysis-regression analysis model to study the effect on technical efficiency of bad loans in bank industry." Tehnički vjesnik, vol. 20, br. 6, 2013, str. 1071-1075. https://hrcak.srce.hr/112328. Citirano 18.09.2020.
Chicago 17th Edition
Mashhadifarahani, Omid, Narges Rezavi i Loghman Hatami-Shirkouhi. "A combined principal component analysis-regression analysis model to study the effect on technical efficiency of bad loans in bank industry." Tehnički vjesnik 20, br. 6 (2013): 1071-1075. https://hrcak.srce.hr/112328
Harvard
Mashhadifarahani, O., Rezavi, N., i Hatami-Shirkouhi, L. (2013). 'A combined principal component analysis-regression analysis model to study the effect on technical efficiency of bad loans in bank industry', Tehnički vjesnik, 20(6), str. 1071-1075. Preuzeto s: https://hrcak.srce.hr/112328 (Datum pristupa: 18.09.2020.)
Vancouver
Mashhadifarahani O, Rezavi N, Hatami-Shirkouhi L. A combined principal component analysis-regression analysis model to study the effect on technical efficiency of bad loans in bank industry. Tehnički vjesnik [Internet]. 2013 [pristupljeno 18.09.2020.];20(6):1071-1075. Dostupno na: https://hrcak.srce.hr/112328
IEEE
O. Mashhadifarahani, N. Rezavi i L. Hatami-Shirkouhi, "A combined principal component analysis-regression analysis model to study the effect on technical efficiency of bad loans in bank industry", Tehnički vjesnik, vol.20, br. 6, str. 1071-1075, 2013. [Online]. Dostupno na: https://hrcak.srce.hr/112328. [Citirano: 18.09.2020.]
Puni tekst: hrvatski, pdf (794 KB) str. 1071-1075 preuzimanja: 1.263* citiraj
APA 6th Edition
Mashhadifarahani, O., Rezavi, N. i Hatami-Shirkouhi, L. (2013). Primjena modela sastavljenog od analize glavne sastavnice i regresijske analize u proučavanju utjecaja loših kredita na tehničku učinkovitost u bankarskoj industriji. Tehnički vjesnik, 20 (6), 1071-1075. Preuzeto s https://hrcak.srce.hr/112328
MLA 8th Edition
Mashhadifarahani, Omid, et al. "Primjena modela sastavljenog od analize glavne sastavnice i regresijske analize u proučavanju utjecaja loših kredita na tehničku učinkovitost u bankarskoj industriji." Tehnički vjesnik, vol. 20, br. 6, 2013, str. 1071-1075. https://hrcak.srce.hr/112328. Citirano 18.09.2020.
Chicago 17th Edition
Mashhadifarahani, Omid, Narges Rezavi i Loghman Hatami-Shirkouhi. "Primjena modela sastavljenog od analize glavne sastavnice i regresijske analize u proučavanju utjecaja loših kredita na tehničku učinkovitost u bankarskoj industriji." Tehnički vjesnik 20, br. 6 (2013): 1071-1075. https://hrcak.srce.hr/112328
Harvard
Mashhadifarahani, O., Rezavi, N., i Hatami-Shirkouhi, L. (2013). 'Primjena modela sastavljenog od analize glavne sastavnice i regresijske analize u proučavanju utjecaja loših kredita na tehničku učinkovitost u bankarskoj industriji', Tehnički vjesnik, 20(6), str. 1071-1075. Preuzeto s: https://hrcak.srce.hr/112328 (Datum pristupa: 18.09.2020.)
Vancouver
Mashhadifarahani O, Rezavi N, Hatami-Shirkouhi L. Primjena modela sastavljenog od analize glavne sastavnice i regresijske analize u proučavanju utjecaja loših kredita na tehničku učinkovitost u bankarskoj industriji. Tehnički vjesnik [Internet]. 2013 [pristupljeno 18.09.2020.];20(6):1071-1075. Dostupno na: https://hrcak.srce.hr/112328
IEEE
O. Mashhadifarahani, N. Rezavi i L. Hatami-Shirkouhi, "Primjena modela sastavljenog od analize glavne sastavnice i regresijske analize u proučavanju utjecaja loših kredita na tehničku učinkovitost u bankarskoj industriji", Tehnički vjesnik, vol.20, br. 6, str. 1071-1075, 2013. [Online]. Dostupno na: https://hrcak.srce.hr/112328. [Citirano: 18.09.2020.]

Sažetak
This paper presents a combined principal component analysis-regression analysis (PCA-RA) model to study the effects of bad loans on the economic performance of banking systems. This model first applies PCA to calculate the overall technical efficiency of banks and then uses regression analysis to find the impact of bad loans on technical efficiency. Bad loans or Non-performing loans (NPLs) include: past due loans; bankrupt and quasi- bankrupt assets, and doubtful assets. The technical efficiency of banks is measured with reference to three input indicators: number of branches, deposits, and costs; and three output indicators: income, profit, and loans. Then technical efficiency is regressed on two explanatory variables of loans and bad loans. Results of a case study in governmental banks in Iran show that bad loans have negative impact on the technical efficiency of banks.

Ključne riječi
bad loans; banking industry; non-performing loans; principal component analysis; regression analysis; technical efficiency

Hrčak ID: 112328

URI
https://hrcak.srce.hr/112328

[hrvatski]

Posjeta: 1.779 *