Liquidity (LQ) and asset quality (AQ) management present significant challenges to mortgage bankers in their efforts to improve profitability (PR). When liquidity increases, there is no positive impact on mortgage asset growth; however, this trend indicates that asset management and liquidity positions are not well managed. To run a viable mortgage business, mortgage bankers need to have a good grasp of the association between LQ, AQ, and PR. Anchored in the profit theory paradigm, the purpose of this multiple regression study was to examine the relationship between LQ, AQ, and PR of mortgage banks (MBs) in Nigeria. Archival financial data of 16 randomly sampled MBs covering a period of 8 years from 2009 to 2016 were used. Data were analyzed using multiple panel regression incorporating two PR models, net interest margin (NIM) and return on asset (ROA). The regression result indicated that LQ and AQ constructs significantly predicted PR as measured by NIM because F (8, 80) = 2.061, p = 0.014, p < 0.05, and effect size given by R2 = 0.458, signifying 46% variation in NIM. The model of PR as measured by ROA also indicated that LQ and AQ constructs were significant because F (8, 80) = 4.043, p = 0.000, p < 0.05, with effect size measured by R2 = 0.624, indicating 62% variation in ROA. The findings emphasized the need for optimization of LQ and AQ to maximize PR. The implications for positive social change include the potential to provide the business leaders in the mortgage industry with knowledge about optimization of LQ and AQ as drivers of PR. In addition, when business owners achieve increase profitability, they may provide more employment opportunities, better working conditions, better compensation plans, and more access to mortgage finance options.

Master thesis focuses on selected real estate with mortgages. Opinions on displaying processes for buying a property for a mortgage loan in the created graphic process of the Czech Banking Association. Explaining legislation on mortgage banks or building societies.

This thesis is focused on the evaluation of suitable alternatives for funding of own housing for specific model examples of clients and purposes. In the theoretical part there are defined the concepts associated with mortgages and building savings. The theoretical part is focused on the current trend in the market of mortgage financing in the Czech Republic. It also contains a prediction of further developments in the field of loan financing. In the practical part the theory is used for analyzing the offers of financial institutions and there is also selected an appropriate way of financing.

This thesis deals with the problem of banks in connection with mortgage loans and mortgage bonds. Its main aim is the research and analysis ot the market with mortgage bonds and mortgage loans in the Czech and Slovak Republic. The work also takes into concern the so discussed integration of European mortgage markets. The thesis is divided into five chapters. The first two chapters are theoretical and are focused on the legislature and the feature of bonds and mortgage bonds. One of the components is the problem of mortgage banks and mortgage loans. The practical section is divided into three chapters. The first chapter is focused on the position of mortgage banks in the Czech and Slovak Republics in the framework of the bank´s sector in the given country. The banks are evaluated on the basis of economic criteria including balance sheets, net profit, initial capital, capital feasibility, number of branches and number of employees. The final part of this section is the evaluation and comprison of the Czech and Slovak bank sectors and their comparison with the European Union. The second chapter deals with entities conducting in the field of mortgage banking and the evaluation of their position in the framework of the Czech and Slovak Republic. The third chapter evaluates the present state and predicts further developments of the bank market in the area of mortgage bonds and mortgage loans. The problem of the integration of mortgage markets in the European Union is included.