Relevant bibliographies by topics / Non-performing loan

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  2. Dissertations / Theses
  3. Books
  4. Book chapters
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Academic literature on the topic 'Non-performing loan'

Author: Grafiati
Published: 4 June 2021
Last updated: 30 May 2022

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Journal articles on the topic "Non-performing loan"

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Ginting, Ari Mulianta. "PENGARUH MAKROEKONOMI TERHADAP NON PERFORMING LOAN (NPL) DI INDONESIA: STUDI NON PERFORMING LOAN PERBANKAN." Jurnal Ekonomi dan Kebijakan Publik 7, no. 2 (June 12, 2017): 159. http://dx.doi.org/10.22212/jekp.v7i2.669.

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ABSTRACT One of the indutries that have been influenced by the macroeconomic condition is the banking industry. If the economic condition of the country is developing, than the bank industry can grow. But the opposite when the economic condition is crisis, then this could result in an impact on the banking indutries. Therefore, Indonesias macroeconomic condition into a matter that must be considered for bank especially for banking credit. This reseach uses dynamic panel data, using data from 2006 through 2014, and the result found that macroeconomic condition, particularly the GDP had a negative influence on the NPL, it means thath the increasing of economic growth would reduce the NPL. And this reseach also found that interest rate loan and inflation had positive and singificant effect to the NPL.Therefore, Government must work togather with Central Bank to make macroeconomic condition that can decrease NPL banking in Indonesia.Keywords: macroeconomic, banking industries, non performing loanABSTRAK Salah satu industri yang memiliki keterkaitan dengan makroekonomi adalah industri perbankan. Jika suatu perekonomian suatu negara sedang berkembang, maka industri perbankan juga dapat tumbuh berkembang. Namun kondisi sebaliknya ketika perekonomian sedang mengalami krisis, maka hal ini dapat mengakibatkan dampak terhadap indusitri perbankan. Oleh karena itu kondisi makro ekonomi Indonesia menjadi suatu hal yang harus diperhatikan bagi penyaluran kredit. Penelitian ini menggunakan metode dynamic panel data, dengan menggunakan data dari tahun 2006 sampai dengan 2014, penelitian menemukan hasil bahwa ternyata kondisi makroekonomi, terutama GDP memiliki pengaruh yang negatif terhadap NPL, artinya semakin membaiknya perekonomian yang ditandai dengan semakin meningkatnyan pertumbuhan ekonomi akan semakin mengurangi kredit macet dan memiliki pengaruh yang positif dengan variabel tingkat suku bunga pinjaman, inflasi. Untuk itu diperlukan sinergitas antara pemerintah sebagai otoritas fiskal dengan Bank Indonesia untuk menciptakan kondisi makroekonomi yang baik yang dapat mengurangi NPL perbankan di Indonesia.Kata Kunci : makroekonomi, industri perbankan, non performing loan
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Korpaniuk, Tatiana. "Accounting of non-performing long-term bank loans in Ukraine." Banks and Bank Systems 12, no. 4 (December 6, 2017): 121–30. http://dx.doi.org/10.21511/bbs.12(4-1).2017.01.

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The research paper outlines general problems of ensuring the continuity of the reproductive process in the Ukrainian economy with the help of long-term bank lending, and the problem of improving the accounting of non-performing long-term bank loans in the country was urged. The importance of solving this problem is conditioned by the significance of this group of loans in the loan portfolios of Ukrainian banks in terms of the current crisis economic situation in Ukraine. The objective of the research paper is to analyze the current state and trends in the methodology and practice of accounting of non-performing long-term bank loans in Ukraine, as well as formulate and substantiate directions for improving this methodology and practice. In the process of fulfilling the tasks of this reserch paper, the significance of the objective accounting of non-performing long-term loans of banks was substantiated; the status and changes in the accounting system of non-performing loans of Ukrainian banks were analyzed; the importance of European experience in this area was urged, which has being consistently adopted; and the scheme of allowing for changes in a share of non-performing bank loans when determining loan price was suggested. The ways to improve the accounting system of non-performing long-term loans in Ukrainian banks were suggested.
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Qin, Song, and Zhenlei Wang. "Comparison of International Differences in the Volatility of Economic Growth and Non-Performing Loan Ratio: A Statistical Study Based on the Quantile Regression Model." Journal of Advanced Computational Intelligence and Intelligent Informatics 21, no. 6 (October 20, 2017): 1094–101. http://dx.doi.org/10.20965/jaciii.2017.p1094.

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What is the level of non-performing loans in China’s banking sector and in different countries? Has the relationship between economic growth and the non-performing loan ratio changed? Is there a difference in the effect of the economic growth of different economies on the rate of non-performing loans in the banking sector? This study analyzes the relationship between economic growth and the non-performing loan ratios and characteristics of 13 countries from 2005-2014 based on quantile regression models with panel data. The results showed that the relationship between economic growth and the non-performing loan ratio was positive before the financial crisis in 2008 but was negative after 2008. The non-performing loan ratio in Canada, Mexico, and the US was low before 2008 and high after 2008. The impact of economic growth on the non-performing loan ratio was more significant for countries with a high non-performing loan ratio than for countries with a low non-performing loan ratio.
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Suharyono, Suharyono, and Teguh Widodo. "DAMPAK KRISIS GLOBAL TERHADAP NON PERFORMING LOAN BANK DEVISA NASIONAL." Inovbiz: Jurnal Inovasi Bisnis 4, no. 2 (December 1, 2016): 81. http://dx.doi.org/10.35314/inovbiz.v4i2.72.

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Abstract: The global crisis has resulted non performing loan (NPL) increased. The measurement of the banks non performing loan ratio is applicable to assess the composite rating of a bank, as the impact of the global crisis toward non performing loan of foreign exchange banks. This study aimed to determine whether there was significant difference between foreign exchange banks non- performing loan before and after the global crisis. The Bank’s non performing loans was measured by comparing the Non-Performing Loan to the total credit. The population of this study was 35 foreign exchange banks. The Hypothesis was tested by using Mann Whitney different test and Independent Sample T Test. The research of this study showed that non performing loan of foreign exchange banks before, during, and after global crisis did not have significant difference. Key words: NPL, Bank, Foreign Exchange, Crisis, global.
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Waqas Karman, Hafiz, Shameer Malik, Hamas Butt, M. Hamza, Umair Afzal, and Shahzaib Maqbool. "Risk Premium and Its Effect on Bank’s Non-Performing Loans." International Journal Of Innovation And Economic Development 1, no. 6 (2015): 95–105. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.16.2005.

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The present outcomes of risk premium have started the discussion over the Bank’s non-performing loans and its determinants. Banking sector is taking active part in different fields of life such as financing, business transactions and loan provisions. Therefore, it is very important for the management to make good decisions relating to the non-performing loans of the bank. In the current study, we have conducted an analysis in order to examine the risk premium and its effect on bank’s non–performing loans in 8 western countries of the world based on GDP over a period from 1998 to 2010. A conceptual model has been developed for this purpose and panel data analysis has been performed. Key finding have been explained for the financial expert to make the future decisions. Our result shows that there is significant relationship between risk premium and bank’s non-performing loans.
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Nadham, Viswa, and B. Nahid. "Determinants of Non Performing Loans in Commercial Banks." International Journal of Finance & Banking Studies (2147-4486) 4, no. 1 (January 21, 2015): 70–94. http://dx.doi.org/10.20525/ijfbs.v4i1.206.

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The study attempts to ascertain the determinants of nonperforming loans in National Bank of Commerce. Data was collected from 152 respondents. Tables, percentages, mean and standard deviation were used to analyze data. Data collection methods adopted for the study were interview, questionnaire and documentary evidence. Interest rate, GDP, concentration of lending activities, bank’s loan supervision capacity and economic condition were investigated, and the results suggest that interest rate, GDP, bank’s loan supervision capacity and economic condition influence the level of NPLs. However, the results did not suggest that concentration of lending activities increase the level of NPLs. The study suggests that banks should put in place a vibrant credit process that ensures proper customer selection and risk identification, robust credit analysis, proactive monitoring and clear recovery strategies for bad loans, formulate clear policy framework that addresses issues of ethical standards and check and balance credit process, organizational capacity enhancement of banks, deliberate effort to develop credit culture for managing loans ,and ensure prudent policies that govern bank loans. Since the results for this study were encouraging, the researcher encourages replicating the study for other lending institutions. In order to extend the literature on non-performing loans, the researcher suggested incorporating models of Golem effect, Social loafing, Inverted pyramid effect, Pollyanna effect and High default culture effect. Also, basing on the merits of the study, the researcher suggests determining relationship between non-performing loans and loan size, collateral, credit culture, and credit management information system.
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Siringo, Nurmi, Ali Anis, and Ariusni Ariusni. "PENGARUH INFLASI, LOAN TO DEPOSIT RATIO DAN PERTUMBUHAN EKONOMI TERHADAP NON PERFORMING LOAN PADA BPR SUMATERA BARAT." Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan 4, no. 1 (May 1, 2015): 79. http://dx.doi.org/10.24036/ecosains.10965657.00.

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This study aims to determine the effect of inflation, Loan To Deposit Ratio, and economic growth of the Non-Performing Loan in Rural Bank of West Sumatra.The type of data in this research is secondary data that is both quantitative and Time Series Data from the years 2005-2013. Data were analyzed with regression methods and estimation OLS (Ordinary Least Square).The results showed that: (1) inflation is not a significant negative effect on the Bank's Non-Performing Loan Rural West Sumatera (2) Loan To Deposit Ratio was not significant positive effect on Non-Performing Loans in the Bank Rural West Sumatera (3) economic growth significant negative effect on Non-Performing Loans in the Rural Bank of West Sumatra, (4) inflation, Loan To Deposit Ratio and economic growth together significant effect on Non-Performing Loans in the Rural Bank of WestKeywords : Inflation, Loan To Deposit Ratio, economic growth.
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Khairi, Ardhi, Bahri Bahri, and Bhenu Artha. "A Literature Review of Non-Performing Loan." Journal of Business and Management Review 2, no. 5 (May 26, 2021): 366–73. http://dx.doi.org/10.47153/jbmr25.1402021.

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Lending is the primary business of retail banking and non-performing loans (NPLs) have been the focus of attention in recent years. In the wake of the 2008–2010 financial crisis, non-performing loans (NPLs) had increased everywhere, but in some countries they had reached unprecedented heights. Several banks have experienced a particularly challenging period over recent years and the Great Financial Crisis has highlighted the weakness of the banking system and the need to further investigate banks’ asset quality and transparency from both a regulatory and an accounting perspective, which pressure by different institutions for a more accurate assessment of loan portfolios led to the general need for higher provisioning in a period characterised by extremely low interest rates and low bank profitability. The objective of this research is to determine the factors associated with non-performing loans. We presented a literature study using systematic literature review of relevant publications and as a result of this process, we included 21 articles and then examined the bibliographical references to check the validity of the inquiry and to avoid any potential omissions. We identified several variables that affect NPLs and those that are influenced by NPLs. We found no variables that associate with policies, and strongly suggest research for variables that associate with policies.
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Chaibi, Hasna. "Determinants of Problem Loans: Non-performing Loans vs. Loan Quality Deterioration." International Business Research 9, no. 10 (August 30, 2016): 86. http://dx.doi.org/10.5539/ibr.v9n10p86.

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<p class="1main-text">The growing literature on credit risk determinants provides results that are based on the set of bad loans present in the bank's assets especially non-performing loans. Besides this classic proxy, the present paper examines the determinants of loan quality deterioration by using a qualitative measure. Actually, we take advantage of a detailed dataset containing information on the quality of loans contracted by banks to different Tunisian firms. The study aims to detect if credit risk determinants are different through quantitative and qualitative proxies. We take into account bank-specific indicators that are likely to affect banking credit risk. Overall, the results show that cost inefficiency, bank profitability is common determinants of the credit risk level and the loan quality deterioration, that are differently influenced by bank size and capitalization.</p>
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Ozili, Peterson K., and Ahmed Adamu. "Does financial inclusion reduce non-performing loans and loan loss provisions?" Journal of corporate governance, insurance and risk management 8, no. 2 (May 15, 2021): 10–24. http://dx.doi.org/10.51410/jcgirm.8.2.2.

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We examine whether countries that have high levels of financial inclusion have fewer non-performing loans and loan loss provisions in their banking sectors. The fixed effect panel regression methodology was used to analyse the effect of financial inclusion on bank non-performing loans and loan loss provisions. Using data from 48 countries, we find that greater formal account ownership is associated with high non-performing loans. Bank loan loss provisions are fewer in countries that have high levels of financial inclusion only when financial inclusion is achieved through the combined use of formal account ownership, bank branch supply and ATM supply. Also, non-performing loans are fewer in countries that experience economic boom and high levels of financial inclusion
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Dissertations / Theses on the topic "Non-performing loan"

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Wu, Xiaojun Allan 1973. "An examination of China's non-performing loan issue." Thesis, Massachusetts Institute of Technology, 2002. http://hdl.handle.net/1721.1/32235.

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Thesis (S.M.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 2002.
Includes bibliographical references (leaves 61-62).
Non-performing loans (NPLs) are essentially a product of the irrational allocation of resources. Different from other Asian countries, China's NPL issue resulted primarily from a transitioning economy dominated by the triangular relations of state-owned enterprises (SOEs), state-owned commercial banks (SOBs) and the fiscal system. Even though the total amount of NPLs in 1999 was estimated to be around 30% of the total outstanding loans of SOBs, the NPL problem in China would not lead to an immediate financial crisis as the NPL problem is more a stock problem than a flow one. However, the huge amount of overhanging bad debts has become one of the bottlenecks for China's further reform, particularly, in the banking sector. The establishment of four Asset Management Companies (AMCs) was an innovative approach to provide an instant relief of the bad debt burden of SOBs, to recover distressed assets and to restructure SOEs. Despite facing many challenges, the AMCs have been continuously seeking new NPL workout approaches and made substantial progress. A series of workout approaches have been introduced including debt-equity swap, discounted payoff, loan pool sale and property auction, etc. The process, however, will become increasingly difficult because the high quality assets have been disposed of first and the more troubled ones still remain in the portfolio. Furthermore, if the government cannot make a creditable commitment that the current NPL transfer and debt-equity swap is a once-off policy, new NPLs will be encouraged through soft lending by the SOBs and strategic default by the SOEs. There are also several obstacles ahead to the AMCs including China's immature capital market, the AMCs' internal structural problems as well as China's weak legal enforcement mechanism. Fortunately, the Chinese government has made a great commitment to tackle the NPL issue not only from the surface but also from the fundamental structure, evidenced by the Chinese government's efforts to improve the corporate governance of SOEs and institutional infrastructures. China's accession to the WTO in 2001 will further force the government to seriously reform the banking sector in order to build up the competitive advantage to face the imminent competition from foreign banks. With more international practices introduced and corporate governance improved, China's banking system could be more resilient and healthier in the near future. The AMC scheme would hopefully be a once-off prescription.
by Xiaojun Allan Wu.
S.M.
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Dadoukis, Aristeidis. "Loan loss provisions, non-performing loans and cost efficiency : evidence from Greece." Thesis, University of Nottingham, 2017. http://eprints.nottingham.ac.uk/42178/.

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This Thesis is a both timely and warranted examination of ‘risk management behaviour’ in Greek banking inter-linking cost efficiencies with loan loss provisioning practices during 2005 to 2012. Firstly, utilising Stochastic Frontier Analysis, we construct numerous cost efficiency frontiers and examine the evolution of cost efficiency in the banking system. Secondly, we investigate the risk management behaviour and the dominant loan loss provisioning practises in the domestic banking sector. These include capital management, efficiency hypotheses and the cyclicality of loan loss provisioning. Finally, we investigate the evolution of non-performing loans and if they are Granger caused by bad management or cost skimping within our construct of risk management behaviour. During 2005 to 2012 the ‘four core’ banks record strong performances and operate at higher levels of cost efficiency than their domestic competitors. This gap was reduced after the 2008 and 2010 financial crises, thus indicating an adverse impact due to the Private Sector Involvement. Overall, despite the so called bond haircut, the Greek banking system still recorded a strong performance where many banks operated close to the optimal efficiency levels, despite the ongoing deepening economic recession. In addition risk bank management behaviour presents loan loss provisioning practices that are counter cyclical to the Greek business cycle. These results suggest that banks have engaged in capital adjustment via their loan loss provisioning resources. In addition, we present evidence to support that low cost efficient banks reported higher levels of loan loss provisioning indicating difficulties in raising additional external capital. Finally, with respect to the development of non-performing loans we present evidence of cost skimping and little support concerning moral hazard in Greek bank risk management behaviour.
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Nordlinder, Elias, and Oliver Sundell. "Non-performing loans : An analysis of the relationship between non-performing loans and profitability among European banks." Thesis, Linköpings universitet, Institutionen för ekonomisk och industriell utveckling, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-142356.

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During the last decade, many European banks have been troubled with low profitability, while the amount of non-performing loans (NPLs) has increased. This thesis investigates and analyses how the increasing amount of NPL affects banks profitability and the financial system. With econometric models using panel data we examined the relationship between NPL, banks profitability and the economic cycle (GDP-growth). This combined with qualitative economic theories provided a solid analysis of this relationship. We found strong evidence the NPL-ratio has a negative correlation with both the profitability of banks and the economic cycle. With these results in mind we think the NPLs need to be dealt with by the banks and authorities soon. In accordance with our result and analysis we came up with recommendations for the banks and authorities to deal with the issue. We recognize they need to improve the secondary markets for non-performing loans, lifting the loans from their balance sheets, increase the use of Asset Management Companies and improve the NPL-management within banks.
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Seagraves, Philip. "A Multi-Factor Probit Analysis of Non-Performing Commercial Mortgage-Backed Security Loans." Digital Archive @ GSU, 2012. http://digitalarchive.gsu.edu/real_estate_diss/13.

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Commercial mortgage underwriters have traditionally relied upon a standard set of criteria for approving and pricing loans. The increased level of commercial mortgage loan defaults from 1% at the start of 2009 to 9.32% by the end of 2011 provides motivation for questioning underwriting standards which previously served the lending industry well. This dissertation investigates factors that affect the probability of Non-performance among commercial mortgage-backed security (CMBS) loans, proposes conditions under which the standard ratios may not apply, and tests additional criteria which may prove useful during economic periods previously not experienced by commercial mortgage underwriters. In this dissertation, Cap Rate Spread, the difference between the cap rate of a property and the Coupon Rate of the associated loan, is introduced to test whether the probability of Non-performance can be better predicted than by relying on traditional commercial mortgage underwriting criteria such as Loan to Value (LTV) and Debt Service Coverage Ratio (DSCR). Testing the research hypotheses with a probit model using a database of 47,883 U.S. CMBS loans from 1993 to 2011, Cap Rate Spread is found to have a significantly negative relationship with loan Non-performance. That is, as the Cap Rate Spread falls, the probability of Non-performance rises appreciably. A numerical model suggests that among loans which would have passed the standard ratio tests requiring loans to have values of LTV less than .8 and DSCR greater than 1.25, a Cap Rate Spread criteria requiring loans to have a value greater than 1% would have prevented the origination of an additional 1,798 CMBS loans reducing the rate of Non-performance from 14.9% with only the LTV and DSCR criteria to just 11.6% by adding the Cap Rate Spread criteria. Of course, adding additional criteria will also lead to errors of rejecting loans which would have performed well. Back testing with the same sample of CMBS loans, this Type I error rate rises from 19% with only the LTV and DSCR criteria to 34% with the addition of the Cap Rate Spread. Ultimately, CMBS loan underwriters must individually determine an acceptable level of Non-performance appropriate to their business model and tolerance for risk. Using intuition, experience, tools, and rules, each underwriter must choose a balance between the competing risks of rejecting potentially profitable loans and accepting loans which will fail. This research result is important because it helps deepen our understanding of the relationships between property income and loan performance and provides an additional tool that underwriters may employ in assessing CMBS loan risk.
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Кічова, В. В. "Проблемна заборгованість в банківській системі: фактори впливу та інструментарій врегулювання." Master's thesis, Сумський державний університет, 2021. https://essuir.sumdu.edu.ua/handle/123456789/81743.

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В роботі розглянуті теоретичні та практичні аспекти управління проблемною заборгованістю банківських установ та розроблено рекомендації щодо підвищення його якості
В работе рассмотрены теоретические и практические аспекты управления проблемной задолженностью банковских учреждений и разработаны рекомендации по повышению его качества
The paper considers theoretical and practical aspects of problem debt management of banking institutions and develops recommendations for improving its quality.
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Mixão, Hugo Miguel Pedreira. "Non-performing loans : the portuguese case." Master's thesis, Instituto Superior de Economia e Gestão, 2020. http://hdl.handle.net/10400.5/20701.

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Mestrado em Finanças
O objetivo deste trabalho final de mestrado é identificar e analisar quais as variáveis que têm maior impacto na evolução de Empréstimos não produtivos em Portugal (Non-Performing Loans). O período de análise será entre 2009 e 2019, tendo início após a crise de "subprime" de 2008. Neste âmbito, foram identificadas variáveis macroeconómicas, para capturar o impacto do estado do país, e também microeconómicas, específicas do setor bancário em Portugal. Os resultados obtidos demonstram que há evidências de uma correlação entre as variáveis selecionadas e a evolução de NPL's em Portugal, no entanto, o impacto destas variáveis está dependente da estabilidade económica do país em análise. Tendo em conta o facto que a definição de NPL's como é atualmente conhecida ter sido apenas definida pela Autoridade Bancária Europeia em 2015 foi realizada uma análise para dois períodos distintos, o primeiro após crise financeira, de 2009 a 2015, e o segundo período entre 2015 e 2019. Os resultados obtidos sugerem que as variáveis específicas do setor bancário, refletem a estabilidade e aversão ao risco do sistema bancário e/ou dos bancos de forma individual (se analisados singularmente), enquanto as variáveis macroeconómicas a estabilidade económica do país.
The objective of this final master's work is to identify and analyze which variables have the greatest impact on the evolution of non-performing loans in Portugal. The analysis period will be between 2009 and 2019, starting after the 2008 subprime crisis. In this context, macroeconomic variables were identified to capture the impact of the country's state, as well as microeconomic, specific to the banking sector in Portugal. The results obtained demonstrate that there is evidence of a correlation between the selected variables and the evolution of NPL's in Portugal, however, the impact of these variables is dependent on the economic stability of the country under analysis. Since the definition of NPL's as it is currently known was only defined by the European Banking Authority in 2015, an analysis was carried out for two different periods, the first after the financial crisis, from 2009 to 2015, and the second period between 2015 and 2019. The results obtained suggest that the specific variables of the banking sector, reflect the stability and risk aversion of the banking system and / or banks individually (if analyzed singularly), while the macroeconomic variables the economic stability of the country.
info:eu-repo/semantics/publishedVersion
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Гапонько, О. Ю. "Управління портфельним кредитним ризиком банку." Master's thesis, Сумський державний університет, 2020. https://essuir.sumdu.edu.ua/handle/123456789/81715.

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Brenner, Petra Josephine. "Non-performing Loans eine Analyse aktueller Rechtsfragen." Berlin Duncker & Humblot, 2009. http://d-nb.info/999631942/04.

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Lu, Yunxuan S. M. Sloan School of Management. "Study of non-performing loans in China." Thesis, Massachusetts Institute of Technology, 2020. https://hdl.handle.net/1721.1/127068.

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Thesis: S.M. in Management Studies, Massachusetts Institute of Technology, Sloan School of Management, May, 2020
Cataloged from the official PDF of thesis.
Includes bibliographical references (pages 46-49).
This thesis aims to provide an overview of the history, market landscape, and trend of investment in China's non-performing loans (NPLs). It starts by comparing the definitions of non-preforming loans by ECB, IMF, and CBRC. The focus in this section is on the change and process of NPL definition in China. Next, this thesis studies the historical trend of historical NPL balances and NPL ratios across industries and geographic locations. It then pictures the market landscape in China to introduce the market structure and participants followed by the handling and workout strategies of NPLs used in China. Lastly, it analyzes the pros and cons of investing in the China NPL market.
by Yunxuan Lu.
S.M. in Management Studies
S.M.inManagementStudies Massachusetts Institute of Technology, Sloan School of Management
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Manz, Florian [Verfasser]. "Non-Performing Loans : Determinants - Default - Divestiture / Florian Manz." Baden-Baden : Nomos Verlagsgesellschaft mbH & Co. KG, 2019. http://d-nb.info/1204708959/34.

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Books on the topic "Non-performing loan"

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Performing and non-performing loan transactions across the world: A practical guide. London: Euromoney Books, 2009.

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Lützenrath, Christian, Jörg Schuppener, and Kai Peppmeier, eds. Distressed Debt und Non-Performing Loans. Wiesbaden: Gabler Verlag, 2006. http://dx.doi.org/10.1007/978-3-8349-9352-6.

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Dick, Markus. Der Verkauf von Non Performing Loans. Wiesbaden: Gabler Verlag, 2010. http://dx.doi.org/10.1007/978-3-8349-8480-7.

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Scardovi, Claudio. Holistic Active Management of Non-Performing Loans. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-25363-3.

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Monokroussos, Platon, and Christos Gortsos, eds. Non-Performing Loans and Resolving Private Sector Insolvency. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-50313-4.

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Rajaraman, Indira. Non-performing loans of PSU banks: Some panel results. New Delhi: National Institute of Public Finance and Policy, 2001.

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Non-performing loans in Deutschland: Möglichkeiten und Grenzen des Outsourcing. Hamburg: Diplomica-Verl., 2007.

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Olson, G. N. Banks in distress: Non-performing loans recognition and response by debtors and creditors : lessons from the American experience. London: International Financial Law Unit, Centre for Commercial Law Studies, Queen Mary & Westfield College, University of London, 1999.

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Xin xi fei jun heng yu yin hang bu liang zi chan: Zhong Ri liang guo de bi jiao yu fen xi = Information disequilibrium and non-performing loans : the comparative analysis based on Japan and China. Shanghai: Shanghai san lian shu dian, 2001.

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1963-, Qu Helei, ed. Zhongguo bu liang zi chan chu zhi yu jin rong zi chan guan li gong si fa zhan yan jiu: Research on resolution of Chinese non-performing loans and asset management companies. Beijing Shi: Zhongguo shi chang chu ban she, 2009.

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Book chapters on the topic "Non-performing loan"

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Müller, Birgit Charlotte. "The Pricing of European Non-Performing Real Estate Loan Portfolios." In Three Essays on Empirical Asset Pricing in International Equity Markets, 94–126. Wiesbaden: Springer Fachmedien Wiesbaden, 2021. http://dx.doi.org/10.1007/978-3-658-35479-4_4.

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ZusammenfassungNon-performing loans (NPL), commonly referred to as loans in arrears for at least 90 days, have continuously been characterized as the top priority of the European Central Bank (ECB) and continue to attract central attention (ECB, 2018a,b). With the outbreak of the European debt crisis, the quality of banks’ assets had deteriorated in a manner that, despite robust economic recovery and a variety of regulatory efforts, NPL still today pose a threat to bank and thrift institutions. Against this backdrop, the European regulator requires banks to develop effective strategies for reducing NPL, to set up clear governance and to operate powerful work-out structures (ECB, 2017).
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Monokroussos, Platon, Dimitrios Thomakos, Thomas A. Alexopoulos, and Eleni Lydia Tsioli. "The Determinants of Loan Loss Provisions: An Analysis of the Greek Banking System in Light of the Sovereign Debt Crisis." In Non-Performing Loans and Resolving Private Sector Insolvency, 181–225. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-50313-4_9.

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Adi Kurniawan, Mahrus Lutfi, Siti Aisyah Tri Rahayu, and Agustinus Suryantoro. "The impact of variables of macroeconomic and bank-specifics on non-performing loan in banking industry in Indonesia." In Business Innovation and Development in Emerging Economies, 84–89. Leiden, The Netherlands : CRC Press/Balkema, [2019]: CRC Press, 2019. http://dx.doi.org/10.1201/9780429433382-8.

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Cousin, Violaine. "Non-performing Loans." In Banking in China, 81–95. London: Palgrave Macmillan UK, 2007. http://dx.doi.org/10.1057/9780230595842_7.

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Cousin, Violaine. "Non-performing Loans." In Banking in China, 155–80. London: Palgrave Macmillan UK, 2011. http://dx.doi.org/10.1057/9780230306967_12.

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de Juan, Aristóbulo. "Non-performing Loans: NPLs." In From Good to Bad Bankers, 115–22. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-11551-7_13.

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Denkhaus, Stefan, and Achim Thomas Thiele. "Non-Performing Loans und Insolvenz." In Distressed Debt und Non-Performing Loans, 195–224. Wiesbaden: Gabler Verlag, 2006. http://dx.doi.org/10.1007/978-3-8349-9352-6_9.

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Fabbri, Andrea. "Securitisation of Non-performing Loans." In Structured Finance, 153–207. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-54124-2_7.

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Dick, Markus. "Einleitung." In Der Verkauf von Non Performing Loans, 1–8. Wiesbaden: Gabler Verlag, 2010. http://dx.doi.org/10.1007/978-3-8349-8480-7_1.

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Dick, Markus. "Empirische Betrachtung von Motivationsfaktoren bzw. Problembereichen." In Der Verkauf von Non Performing Loans, 125–47. Wiesbaden: Gabler Verlag, 2010. http://dx.doi.org/10.1007/978-3-8349-8480-7_7.

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Conference papers on the topic "Non-performing loan"

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Qianying, Qiu. "THE FACTORS INFLUENCE NON-PERFORMING LOAN AND METHODS TO AMELIORATE NON-PERFORMING LOAN." In World Symposium on Economics, Business and Management（WSEBM）. Volkson Press, 2017. http://dx.doi.org/10.26480/wsebm.01.2017.26.27.

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Suciati, Handiani, and Mochamad Dzikri. "Risk Management, Bank Profitability and Non Performing Loan." In 2nd International Conference on Economic Education and Entrepreneurship. SCITEPRESS - Science and Technology Publications, 2017. http://dx.doi.org/10.5220/0006884802860290.

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Pattisahusiwa, Salmah, and Achmad Faisal. "Analysis on Non Performing Loan PT. Bank X (Persero) Tbk Branch Samarinda." In Mulawarman International Conference on Economics and Business (MICEB 2017). Paris, France: Atlantis Press, 2018. http://dx.doi.org/10.2991/miceb-17.2018.39.

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Serengil, Sefik Ilkin, Salih Imece, Ugur Gurkan Tosun, Ege Berk Buyukbas, and Bilge Koroglu. "A Comparative Study of Machine Learning Approaches for Non Performing Loan Prediction." In 2021 6th International Conference on Computer Science and Engineering (UBMK). IEEE, 2021. http://dx.doi.org/10.1109/ubmk52708.2021.9558894.

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Serengil, Sefik Ilkin, Salih Imece, Ugur Gurkan Tosun, Ege Berk Buyukbas, and Bilge Koroglu. "A Comparative Study of Machine Learning Approaches for Non Performing Loan Prediction." In 2021 6th International Conference on Computer Science and Engineering (UBMK). IEEE, 2021. http://dx.doi.org/10.1109/ubmk52708.2021.9558894.

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Hamid, Nurhayati, Noor Asiah Ramli, and Siti Aida Sheikh Hussin. "Efficiency measurement of the banking sector in the presence of non-performing loan." In 2ND INTERNATIONAL CONFERENCE AND WORKSHOP ON MATHEMATICAL ANALYSIS 2016 (ICWOMA2016). Author(s), 2017. http://dx.doi.org/10.1063/1.4972145.

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Hapsari, Ira. "Moderating Role of Size in the Effect of Loan to Deposit Ratio and Non Performing Loan toward Banking Financial Performance." In 2018 3rd International Conference on Education, Sports, Arts and Management Engineering (ICESAME 2018). Paris, France: Atlantis Press, 2018. http://dx.doi.org/10.2991/amca-18.2018.96.

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Thavarith, Vongseriprathna, and Jirapan Liangrokapart. "The Blend of Credit Scoring Model for Individual in the Dmaic Process for Reducing Non-Performing Loan Risk." In the 2019 International Conference. New York, New York, USA: ACM Press, 2019. http://dx.doi.org/10.1145/3335550.3335583.

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"SHARE PRICE REACTION OF BANKS IN THE CONTEXT OF DISPOSAL OF NON PERFORMING REAL ESTATE LOAN PORTFOLIOS: EVIDENCE FROM GERMANY." In 2006 European Real Estate Society conference in association with the International Real Estate Society: ERES Conference 2006. ERES, 2006. http://dx.doi.org/10.15396/eres2006_296.

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Darmawan, Akhmad. "Influence of Loan Interest Rate, Non-Performing Loan, Third Party Fund and Inflation Rate towards Micro, Small and Medium Enterprises (MSME) Credit Lending Distribution at Commercial Banks in Indonesia." In 2018 3rd International Conference on Education, Sports, Arts and Management Engineering (ICESAME 2018). Paris, France: Atlantis Press, 2018. http://dx.doi.org/10.2991/amca-18.2018.84.

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Reports on the topic "Non-performing loan"

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Gamba-Santamaria, Santiago, Luis Fernando Melo-Velandia, and Camilo Orozco-Vanegas. What can credit vintages tell us about non-performing loans? Banco de la República de Colombia, February 2021. http://dx.doi.org/10.32468/be.1154.

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Using Colombian credit vintage data, we decompose the non-performing loans into one component that captures the evolution of the payment capacity of borrowers, and other component that captures changes in the credit risk taken by the financial system at the time of loan disbursement. We use intrinsic estimators and penalized regression techniques to overcome the perfect multicollinearity problem that the model entails. We find that these two type of components have evolved differently over time, and that good economic conditions and loose financial conditions improve the payment capacity of borrowers to meet their obligations, and in turn, they tend to coincide with the financial system engaging in riskier loans. Finally, we advocate the use of this methodology as a policy tool that is easy to apply by financial and economic authorities that dispose of a constant flow of credit vintage information. Through it, they will be able to identify the origin of the credit risk materialization and curb the risk taken by the financial system.
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Yani, Nor. PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS (STUDI KASUS PADA BANK BUMN). Jurnal Madani: Ilmu Pengetahuan, Teknologi, dan Humaniora, September 2018. http://dx.doi.org/10.33753/madani.v1i2.18.

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Wang, Yao, Mirela D. Tumbeva, and Ashley P. Thrall. Evaluating Reserve Strength of Girder Bridges Due to Bridge Rail Load Shedding. Purdue University, 2021. http://dx.doi.org/10.5703/1288284317308.

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This research experimentally and numerically evaluated the reserve strength of girder bridges due to bridge rail load shedding. The investigation included: (1) performing non-destructive field testing on two steel girder bridges and one prestressed concrete girder bridge, (2) developing validated finite element numerical models, and (3) performing parametric numerical investigations using the validated numerical modeling approach. Measured data indicated that intact, integral, reinforced concrete rails participate in carrying live load. Research results culminated in recommendations to evaluate the reserve strength of girder bridges due to the participation of the rail, as well as recommendations for bridge inspectors for evaluating steel girder bridges subjected to vehicular collision.
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Financial Stability Report - Second Semester of 2020. Banco de la República de Colombia, March 2021. http://dx.doi.org/10.32468/rept-estab-fin.sem2.eng-2020.

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The Colombian financial system has not suffered major structural disruptions during these months of deep economic contraction and has continued to carry out its basic functions as usual, thus facilitating the economy's response to extreme conditions. This is the result of the soundness of financial institutions at the beginning of the crisis, which was reflected in high liquidity and capital adequacy indicators as well as in the timely response of various authorities. Banco de la República lowered its policy interest rates 250 points to 1.75%, the lowest level since the creation of the new independent bank in 1991, and provided ample temporary and permanent liquidity in both pesos and foreign currency. The Office of the Financial Superintendent of Colombia, in turn, adopted prudential measures to facilitate changes in the conditions for loans in effect and temporary rules for rating and loan-loss provisions. Finally, the national government expanded the transfers as well as the guaranteed credit programs for the economy. The supply of real credit (i.e. discounting inflation) in the economy is 4% higher today than it was 12 months ago with especially marked growth in the housing (5.6%) and commercial (4.7%) loan portfolios (2.3% in consumer and -0.1% in microloans), but there have been significant changes over time. During the first few months of the quarantine, firms increased their demands for liquidity sharply while consumers reduced theirs. Since then, the growth of credit to firms has tended to slow down, while consumer and housing credit has grown. The financial system has responded satisfactorily to the changes in the respective demands of each group or sector and loans may grow at high rates in 2021 if GDP grows at rates close to 4.6% as the technical staff at the Bank expects; but the forecasts are highly uncertain. After the strict quarantine implemented by authorities in Colombia, the turmoil seen in March and early April, which was evident in the sudden reddening of macroeconomic variables on the risk heatmap in Graph A,[1] and the drop in crude oil and coal prices (note the high volatility registered in market risk for the region on Graph A) the local financial markets stabilized relatively quickly. Banco de la República’s credible and sustained policy response played a decisive role in this stabilization in terms of liquidity provision through a sharp expansion of repo operations (and changes in amounts, terms, counterparties, and eligible instruments), the purchases of public and private debt, and the reduction in bank reserve requirements. In this respect, there is now abundant aggregate liquidity and significant improvements in the liquidity position of investment funds. In this context, the main vulnerability factor for financial stability in the short term is still the high degree of uncertainty surrounding loan quality. First, the future trajectory of the number of people infected and deceased by the virus and the possible need for additional health measures is uncertain. For that reason, there is also uncertainty about the path for economic recovery in the short and medium term. Second, the degree to which the current shock will be reflected in loan quality once the risk materializes in banks’ financial statements is uncertain. For the time being, the credit risk heatmap (Graph B) indicates that non-performing and risky loans have not shown major deterioration, but past experience indicates that periods of sharp economic slowdown eventually tend to coincide with rises in non-performing loans: the calculations included in this report suggest that the impact of the recession on credit quality could be significant in the short term. This is particularly worrying since the profitability of credit establishments has been declining in recent months, and this could affect their ability to provide credit to the real sector of the economy. In order to adopt a forward-looking approach to this vulnerability, this Report presents several stress tests that evaluate the resilience of the liquidity and capital adequacy of credit institutions and investment funds in the event of a hypothetical scenario that seeks to simulate an extreme version of current macroeconomic conditions. The results suggest that even though there could be strong impacts on the credit institutions’ volume of credit and profitability under such scenarios, aggregate indicators of total and core capital adequacy will probably remain at levels that are above the regulatory limits over the horizon of a year. At the same time, the exercises highlight the high capacity of the system's liquidity to face adverse scenarios. In compliance with its constitutional objectives and in coordination with the financial system's security network, Banco de la República will continue to closely monitor the outlook for financial stability at this juncture and will make the decisions that are necessary to ensure the proper functioning of the economy, facilitate the flow of sufficient credit and liquidity resources, and further the smooth operation of the payment systems. Juan José Echavarría Governor
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