热门标签

皇冠正网会员开户(www.hg108.vip):Uptick in loan defaults likely

时间:1周前   阅读:2   评论:3

皇冠正网会员开户www.hg108.vip)是一个开放皇冠正网即时比分、皇冠正网会员开户的平台。皇冠正网会员开户平台(www.hg108.vip)提供最新皇冠登录,皇冠APP下载包含新皇冠体育代理、会员APP,提供皇冠正网代理开户、皇冠正网会员开户业务。

PETALING JAYA: Higher loan defaults, among individual borrowers and corporates, are expected to emerge as interest rate hikes to reduce inflationary pressures grip the economy.

Although the higher rates are good news for banks in terms of profitability, they may also result in loan defaults in the near term.

UCSI University assistant professor in finance Liew Chee Yoong, who is also a fellow at the Centre for Market Education, said the gross impaired loans (GIL) ratio would be higher due to the latest interest rate hike.

UCSI University assistant professor in finance Liew Chee Yoong

“The rise in interest rates will raise the interest expense of loan borrowers and increase their financial risk.

“Therefore, I will not be surprised if more individual and corporate borrowers will be in financial distress due to higher interest servicing this year.

“More loans will be impaired due to the higher likelihood of credit default by borrowers,” he added.

,

新2正网平台出租www.hg108.vip)是皇冠(正网)接入菜宝钱包的TRC20-USDT支付系统,为皇冠代理提供专业的网上运营管理系统。系统实现注册、充值、提现、客服等全自动化功能。采用的USDT匿名支付、阅后即焚的IM客服系统,让皇冠代理的运营更轻松更安全。

,

The GIL ratio is defined as gross impaired loans as a percentage of gross loans, advances and financing.

Bank Negara has raised its overnight policy rate (OPR) by 25 basis points (bps) to 2.25% on July 6 amid positive economic growth prospects. It was the second consecutive increase after the 25 bps hike in May, which was also the first time the OPR was raised since the onset of the Covid-19 pandemic.

The OPR, which is a benchmark rate that allows banks to determine their lending and deposit rates, had been reduced by a cumulative 125 bps during the pandemic to a historic low of 1.75%.

RAM Rating Services Bhd co-head of financial institution ratings Wong Yin Ching said higher interest rates could impinge on some highly leveraged borrowers, although most borrowers would likely be able to absorb the slightly higher loan instalments.RAM co-head of Financial Institution Ratings Wong Yin Ching.“We may see the banking sector’s GIL ratio rise to 2.5% by end-2022, which is still deemed manageable in our view.

“Provisioning expenses, however, are not anticipated to increase in tandem with impaired loans as banks had judiciously built up provisioning reserves since the start of the pandemic.

“With most of the loan relief measures being progressively wound down in the first half of the year, defaults have begun to trend up,” she added.

The banking industry’s GIL ratio rose from 1.5% as of end-December 2021 to 1.64% as of end-May.

CGS-CIMB Securities analyst Winson Ng also expected higher GIL ratios this year.

上一篇:区块链百家乐(www.eth108.vip):安徽专项整治不担当不作为问题 多切口发力纠治“四风”

下一篇:新2手机管理端(www.hg108.vip):夏姿早秋系列以「凝望」为题 回归品牌初衷

网友评论

  • 2022-09-15 01:00:07

    Meanwhile, most actively traded counters on Bursa included MyEG down two sen to 73.5 sen, DNeX falling 2.5 sen to 85 sen and Agmo rising 1.5 sen to 91 sen.送你一枝玫瑰花。

  • 2022-10-21 00:21:14

    DAP’s 11 year-old Dayak Consultative Committee (DCC) has failed to craft a strategy to win the support of Sarawak’s largest ethnic group, its former chairman John Brian Anthony said.小仙女求关注