Describe in details the four factors that determine mix of bank loans. ? please answer...

Describe in details the four factors that determine mix of bank loans. ?

please answer withn one hour . thank you

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Expert Solution

The four factors that determine mix of bank loans are as follows:

1.Expertise of Banks Management-Qualified staff and their experience expertise in loan sector makes sure that Bank have a Satisfactory performance in the Loan Portfolio.

2.Bank's Loan Policy-The Bank that use a strong policy in giving loans provided that the probability of credit risk to be lower, because of continuous management and control in lending conditions and the income of the borrower.

3.Expected Yield of the Bank - Whether Bank have a good expected yield of loan or poor expected yield of loan .

4.Most Efficient Producer- Bank that offer many product but in particular Loan product have been successful,efficient in their creation with a competitive interest rate and a duration that can be more easier from the borrower in pay back.The managers improve the loan product wherefore they achieve a good performance in the loan lending.

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