Non-performing loan ≈ Non-performing loan
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Determinants of Default in P2P Lending Open
This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this …
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The Informational Role of the Media in Private Lending Open
We investigate whether a borrower’s media coverage influences the syndicated loan origination and participation decisions of informationally disadvantaged lenders, loan syndicate structures, and interest spreads. In syndicated loan deals, …
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Determinants of non-performing loans in the banking sector in developing state Open
Purpose The size of non-performing loans (NPLs) plays a key role in the stability of the banking sector of a country. The factors that explain the NPLs contain very important information for banks. Studies in this regard with respect to de…
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The Impact of Non-performing Loans on Bank Lending Behavior: Evidence from the Italian Banking Sector Open
The aim of this study is to understand the bank lending behavior during financial crisis, in particular whether an increase of credit risk during this period can lead banks to reduce their lending activity. A second object is to investigat…
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Why Does Fast Loan Growth Predict Poor Performance for Banks? Open
From 1973 to 2014, the common stock of U.S. banks with loan growth in the top quartile of banks over a three-year period significantly underperformed the common stock of banks with loan growth in the bottom quartile over the next three yea…
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Macroeconomic and Bank-Specific Determinants of Non-Performing Loans: Evidence from Nepalese Banking System Open
This paper aims to evaluate the macroeconomic and bank-specific determinants of non-performing loans (NPL) in the Nepalese banking system using both static and dynamic panel estimation approaches. The study considers 30 Nepalese commercial…
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Macroeconomic and Institutional Determinants of Non-performing Loans Open
This paper aims to analyse macroeconomic and institutional empirical determinants of growth of NPL ratios. Research is focused on selected CEEC and SEE countries in the period 2006- 2013. For our analysis we use static panel model approach…
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The effect of credit risk management and bank-specific factors on the financial performance of the South Asian commercial banks Open
Purpose Among all of the world's continents, Asia is the most important continent and contributes 60% of world growth but facing the serving issue of high nonperforming loans (NPLs). Therefore, the current study aims to capture the effect …
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Non-performing loans in Baltic States: determinants and macroeconomic effects Open
This study analyses the linkages between macroeconomic and bank-specific determinants of non-performing loans (NPLs) and their impact on macroeconomic performance in the Baltic States using two complementary approaches. First, we examine t…
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Corporate Taxes and Securitization Open
Most banks pay corporate income taxes, but securitization vehicles do not. Our model shows that, when a bank faces strong loan demand but limited deposit market power, this tax asymmetry creates an incentive to sell loans despite less‐effi…
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The Loan Covenant Channel: How Bank Health Transmits to the Real Economy Open
We document the importance of covenant violations in transmitting bank health to non-financial firms using a new supervisory data set of bank loans.Roughly one-third of loans in our data breach a covenant during the 2008-09 period, providi…
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DETERMINANT OF NON PERFORMING LOAN: THE CASE OF ISLAMIC BANK IN INDONESIA Open
This paper analyzes the non-performing loan and its determinant. Using the monthly data of Islamic banks during 2010-2012, this paper found that size and efficiency of the banks do not affect the non-performing loan. On the other hand, GDP…
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Kinerja Keuangan Bank Sebelum Dan Selama Pandemi (COVID – 19) Open
This research aims to analyze the financial performance of banks before and during the pandemic (COVID – 19) and to find out what benchmarks are the worst. This analysis uses the CAMEL method, that use ratio such as CAR (Capital Adequacy R…
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Banks’ credit risk, systematic determinants and specific factors: recent evidence from emerging markets Open
Non-performing loans (NPLs, henceforth) represent the main challenge that jeopardizes the steadiness of the banking sector. The purpose of this study is to explore the main determinants of banks' non-performing loans in emerging markets. T…
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Determinants of credit risk in the banking system in Sub-Saharan Africa Open
This paper investigates the macroeconomic determinants of credit risk in the banking system of 22 Sub-Saharan African economies. We measure credit risk as the ratio of non-performing loans to total gross loans (NPLs) and employ dynamic pan…
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Tackling Small and Medium Enterprise Problem Loans in Europe Open
The global financial crisis has left a large private sector debt overhang and high levels of non- performing loans (NPLs) in several European countries. Small and medium-size enterprises (SMEs) represent a significant and weak segment of t…
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Bank-specific and macroeconomic determinants of non-performing loans in the Republic of Macedonia: Comparative analysis of enterprise and household NPLs Open
The purpose of this paper is to explore the influence of bank-specific and macroeconomic determinants of all non-performing loans (NPLs) to enterprises and households in the Republic of Macedonia. The analysis is performed for the whole ba…
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Macroeconomic, Institutional and Bank-Specific Determinants of Non-Performing Loans in Emerging Market Economies: A Dynamic Panel Regression Analysis Open
Banking sector is important for various macroeconomic and microeconomic variables in terms of mobilization of funds, increasing savings, and providing alternative investment instruments suited to the every person by minimizing the risk of …
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Determinants of Non-Performing Loans: Evidence from the Jordanian Banking Sector Open
Determinants of Non-Performing Loans: Evidence from the Jordanian Banking Sector Khaled Subhi Rajha Abstract This paper investigates the determinants of non-performing loans in the Jordanian banking sector during the period 2007-2012. The …
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Determinants of Bank Profitability in CEE Countries: Evidence from GMM Panel Data Estimates Open
Given the high resilience of the Central and Eastern Europe (CEE) banking sectors during the last financial crisis and their major role in the CEE region in financing the economy and supporting the high growth rates achieved there, our pap…
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Non-Performing Loans and Macroeconomics Factors: The Italian Case Open
The purpose of this work is to investigate the influence of macroeconomics determinants on non-performing loans (NPLs) in the Italian banking system over the period 2008Q3–2020Q4. We mainly contribute to the literature by being the first e…
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Bank-specific Factors Affecting Non-performing Loans in Developing Countries: Case Study of Indonesia Open
In recent decades, financial crises in various countries have often been preceded by the rise in non-performing loans (NPLs) in the banks' asset portfolios. The increase in NPLs is proven to have adverse impact on the banking sector so tha…
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The Impact of Bank Specific and Macro-Economic Factors on Non-Performing Loans in the Banking Sector: Evidence from an Emerging Economy Open
The current study examines macro-economic and bank specific determinants of non-performing loans (NPLs) for commercial banks from 2008–2018. The Pakistani banking sector has observed a significant increase in NPLs. In addition, the current…
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Does ESG performance reduce banks’ nonperforming loans? Open
This study investigates the association between a bank's nonperforming loans and its ESG (environmental, social, and governance) performance. Using data from U.S. commercial banks, we find that a bank's ESG rating is negatively associated …
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Determinants of the Level of Non-Performing Loans in Commercial Banks of Transition Countries Open
Problem loans have generated considerable academic and policy attention in recent years, fueled in part by the aftermath of the 2008-2009 economic crisis and subsequent credit crunch. Problem loans, referred to as non-performing loans (NPL…
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The Effects of Financial Reporting on Bank Loan Contracting in Global Markets: Evidence from Mandatory IFRS Adoption Open
This study examines the effects of the mandatory adoption of International Financial Reporting Standards (IFRS) on the contract terms of bank loans in a global setting. Using a difference-in-differences design based on 26,474 bank loans in…
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Industry-Specific and Macroeconomic Determinants of Non-Performing Loans: A Comparative Analysis of ARDL and VECM Open
With the growth of an economy, the banking industry expands and the competitiveness becomes intense with the increased number of banks in the economy. The objective of this research was to discover the influence of industry-specific and ma…
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The Impact of Credit Risk on the Financial Performance of Chinese Banks Open
The study aim was to empirically examine the impact of credit risk on the financial performance of Chinese banks. Secondary data was collected from five largest commercial banks in the country for the period of 7 years from 2008 to 2014. T…
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Determinants of credit risk of Indonesian Sharīʿah rural banks Open
Purpose This study aims to examine the influence of internal and external factors on the credit risk (represented by nonperforming financing [NPF]) of Indonesian Sharīʿah rural banks (SRBs) – a type of Islamic bank that provides Islamic fi…
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The Impacts of Non-Performing Loan on Profitability: An Empirical Study on Banking Sector of Dhaka Stock Exchange Open
The Banking sector of Bangladesh is trapped in a gridlock of non-performing loans (NPLs) so much so that NPL accounts for 11.60 percent of the total volume of classified loans. This problem has started to be widening with an evil trend of …