Wpływ nowych modeli kapitalizacji na ocenę zdolności spłaty kredytu bankowego I związanego z nim ryzyka kredytowego
Influence of New Capitalization Models on the Assessment of Banking Credit Capability and Credit Risk as Well as Associated With Its Credit Risk

Summary/Abstract: Purpose – The subject of the present article is new strategie of credit allowance by a bank Pekao SA, related credit risk and interest repay by equal capital instalments have been presented. Design/methodology/approach – In the course of empirical research, a number of new capitalization models with a milder increase in capital installments at time t were found, which is more advantageous in the case of long-term loans. A new capitalization model for KOSS was also proposed. Findings – Due to the high accuracy of the calculations obtained, the capitalization model KOSS can replace the capitalization models used so far. Originality/value – The capitalization model KOSS due to its originality can be used in the future, for the benefit of both the bank and the client.

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