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Appears in Collections:Accounting and Finance Journal Articles
Peer Review Status: Refereed
Title: Major British Bank performance over the Business cycle
Author(s): Jaffar, Kalsoom
Webb, Robert
Kumbirai, Mabwe
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Issue Date: 20-Sep-2012
Citation: Jaffar K, Webb R & Kumbirai M (2012) Major British Bank performance over the Business cycle. International Journal of Economic Sciences, 1 (2), pp. 26-50.
Abstract: This paper investigates the effect of macroeconomic changes particularly the cyclical nature of bank performance using the dataset of Large British Banks over the period 2004-2011. Financial ratios are employed to investigate whether loan loss provision, lending rate, income level and return on asset show a cyclical pattern. The study found a cyclical pattern before, during and after financial crisis 2008. The results show falling asset prices, high capital requirement, reduce lending and loss in bank balance sheet in the British banking sector. Therefore, for macro and financial stability, it is important to understand that to what extend banks are affected by the macro-economy.
Rights: This article is published under the Creative Commons copyright license policy CC-BY. Users are allowed to copy and redistribute the material in printed or electronic format and build upon the material, without further permission or fees being required, provided that appropriate credit is given.
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