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04197nam a2200277Ia 4500 |
| 001 - CONTROL NUMBER |
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| control field |
92593 |
| 003 - CONTROL NUMBER IDENTIFIER |
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| control field |
ft8454 |
| 005 - DATE AND TIME OF LATEST TRANSACTION |
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| control field |
20251028141250.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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| fixed length control field |
250424n 000 0 eng d |
| 040 ## - CATALOGING SOURCE |
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| Description conventions |
rda |
| 041 ## - LANGUAGE CODE |
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| Language code of text/sound track or separate title |
engtag |
| 050 ## - LIBRARY OF CONGRESS CALL NUMBER |
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| Classification number |
HG3691 A46 2023 |
| 082 ## - DEWEY DECIMAL CLASSIFICATION NUMBER |
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| Classification number |
. |
| 100 ## - MAIN ENTRY--PERSONAL NAME |
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| Personal name |
Christian S. Almirol, Nathaniel D. Arizala, Franchezca Pauline B. Biasca, Regina Satingin, Mary Joyce C. Lozano, Andrea B. Sarmiento |
| 245 #0 - TITLE STATEMENT |
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| Title |
Influence of credit risk indicators on the financial performance of Philippine Universal Banks: Basis for improving financial decisions |
| 264 ## - PRODUCTION, PUBLICATION, DISTRIBUTION, MANUFACTURE, AND COPYRIGHT NOTICE |
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| Place of production, publication, distribution, manufacture |
Manila: |
| Name of producer, publisher, distributor, manufacturer |
PLM, |
| Date of production, publication, distribution, manufacture, or copyright notice |
c2023 |
| 300 ## - PHYSICAL DESCRIPTION |
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| Other physical details |
Undergraduate Thesis: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2023 |
| 336 ## - CONTENT TYPE |
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| Content type code |
text |
| Content type term |
text |
| Source |
rdacontent |
| 337 ## - MEDIA TYPE |
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| Media type code |
unmediated |
| Media type term |
unmediated |
| Source |
rdamedia |
| 338 ## - CARRIER TYPE |
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| Carrier type code |
volume |
| Carrier type term |
volume |
| Source |
rdacarrier |
| 505 ## - FORMATTED CONTENTS NOTE |
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| Formatted contents note |
ABSTRACT Universal banks contribute significantly to economic growth worldwide. Banks provide savings, deposits, investments, credit, and loans to consumers, corporations, and the government as trusted intermediaries. However, it is also a source of the most significant risk in banks worldwide, the credit risk. This study aims to determine the correlation of credit risk indicators on the financial performance of universal banks in the Philippines. Credit risk indicators include the Capital Adequacy Ratio (CAR), Non-Performing Loans Ratio (NPLR), and Loan Loss Provision. In contrast, financial performance indicators include Return on Assets (ROA) and Return on Equity (ROE). The study analyzes financial data from the 16 Philippine universal banks from 2018 to 2021 and formulates hypotheses relating to the subject matter. This study employed descriptive statistics and inferential statistics to analyze the data. The findings revealed that ROA has no significant relationship with CAR, NPLR, or LLP. However, the correlation coefficients of ROA and CAR showed a negative and weak relationship, while ROA and its relationship to NPLR and LLP are positive and weak. The test results also revealed that ROE has no significant relationship with the three credit risk indicators. However, ROE and CAR exhibited negative and weak correlations, whereas ROE and its relationship to NPLR and LLP had positive and weak correlations. KEYWORDS: Credit Risk Indicators, Financial Performance, Universal Banks, Capital Adequacy Ratio, Non-performing Loans Ratio, Loan Loss Provision, Return on Asset, Return on Equity |
| 520 ## - SUMMARY, ETC. |
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| Summary, etc. |
ABSTRACT Universal banks contribute significantly to economic growth worldwide. Banks provide savings, deposits, investments, credit, and loans to consumers, corporations, and the government as trusted intermediaries. However, it is also a source of the most significant risk in banks worldwide, the credit risk. This study aims to determine the correlation of credit risk indicators on the financial performance of universal banks in the Philippines. Credit risk indicators include the Capital Adequacy Ratio (CAR), Non-Performing Loans Ratio (NPLR), and Loan Loss Provision. In contrast, financial performance indicators include Return on Assets (ROA) and Return on Equity (ROE). The study analyzes financial data from the 16 Philippine universal banks from 2018 to 2021 and formulates hypotheses relating to the subject matter. This study employed descriptive statistics and inferential statistics to analyze the data. The findings revealed that ROA has no significant relationship with CAR, NPLR, or LLP. However, the correlation coefficients of ROA and CAR showed a negative and weak relationship, while ROA and its relationship to NPLR and LLP are positive and weak. The test results also revealed that ROE has no significant relationship with the three credit risk indicators. However, ROE and CAR exhibited negative and weak correlations, whereas ROE and its relationship to NPLR and LLP had positive and weak correlations. KEYWORDS: Credit Risk Indicators, Financial Performance, Universal Banks, Capital Adequacy Ratio, Non-performing Loans Ratio, Loan Loss Provision, Return on Asset, Return on Equity |
| 526 ## - STUDY PROGRAM INFORMATION NOTE |
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| Classification |
Filipiniana |
| 655 ## - INDEX TERM--GENRE/FORM |
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| Genre/form data or focus term |
academic writing |
| 942 ## - ADDED ENTRY ELEMENTS |
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| Institution code [OBSOLETE] |
lcc |
| Item type |
Thesis/Dissertation |
| Koha issues (borrowed), all copies |
1 |
| Source of classification or shelving scheme |
|