Factors Affecting the Credit Loans of Bangkok Bank Krungthai Bank and Siam Commercial Bank

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Nakarin Phumutta
Sirikwan Jaroenwiriyakul


       This research aims to analyze the factors that influence the amount of credit loan of Bangkok Bank Public Company Limited, Krung Thai Bank Public Company Limited and Siam Commercial Bank Public Company Limited. The quarterly data investigates by panel estimation starting from January 2008 to December 2017, total 40 Quarter. (total of data 120 observations.) 

       The results from the panel unit toot test showed that the interest rate was stable at the level while the loan amount, the deposit amount, Non-Performing Loan (NPLs) and Gross Domestic Product (GDP) were stable at first difference. Moreover, the instruments that appropriated from panel estimations are fixed effect model. Conclusion, the results with panel methods found that the amount of deposits and interest rate has significantly positive effect on the bank credit loan. While NPLs showed a significantly negative effect on the bank credit loan in all three banks. Lastly, the factors had no significant effect on the bank credit loan consist of GDP and politic crisis risk in Thailand. For the suggestion, this paper can be guided for commercial banks and policy makers, which applied and created the policy of credit loan managements. The advantages for banks and economic systems in term of investments and financial liquidities.


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