Relevant bibliographies by topics / Non performing loans

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Non performing loans'

Author: Grafiati
Published: 4 June 2021
Last updated: 9 March 2023

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Journal articles on the topic "Non performing loans"

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Safar Nasir, M., Yolanda Oktaviani, and Nur Andriyani. "Determinants of Non-Performing Loans and Non-Performing Financing level: Evidence in Indonesia 2008-2021." Banks and Bank Systems 17, no. 4 (November 28, 2022): 116–28. http://dx.doi.org/10.21511/bbs.17(4).2022.10.

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Banking stability plays an important role as an intermediary in the economy. Both the economy and the banking sector affect each other. This study aims to investigate the effect and response of external variables and internal bank variables on Non-Performing Loans at Conventional Commercial Banks and Non-Performing Financing at Islamic Commercial Banks. This study uses macroeconomic variables such as economic growth and inflation, while a bank’s internal variables include the Loan to Deposit Ratio, Financing to Deposit Ratio, and Capital Buffer. This study employs Vector Autoregressive Regression (VAR) to examine the time series data. The results showed that the variable Economic Growth at lag-1, Loan to Deposit Ratio at lag-1, and Capital Buffer at lag-2 significantly affect Non-Performing Loans. While the variable that has a significant effect on Non-Performing Financing is only Economic Growth at lag-1. In addition, as can be seen from the Impulse Response Function curve, Non-Performing Financing tends to be more stable toward shocks from the variables used than Non-Performing Loans. The findings suggest that banks are encouraged to be more selective in loan disbursement and maintain minimal capital adequacy by taking into account the principle of prudence and referring to the bank’s health criteria.
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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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Cerulli, Giovanni, Vincenzo D’Apice, Franco Fiordelisi, and Francesco Masala. "Benchmarking non-performing loans." European Journal of Finance 26, no. 16 (September 1, 2020): 1591–605. http://dx.doi.org/10.1080/1351847x.2020.1794923.

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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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Susanto, Andik. "Pengaruh Penilaian Kualitas Pinjaman dan Harga Saham pada Perusahaan Perbankan (Periode 2014 – 2016)." JURNAL EKOMAKS : Jurnal Ilmu Ekonomi, Manajemen, dan Akuntansi 7, no. 2 (January 18, 2019): 125–29. http://dx.doi.org/10.33319/jeko.v7i2.12.

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The purpose of this study is to determine the effect of current and non-performing loans against stock prices of banking companies listed on the Indonesia Stock Exchange for the period of observation in 2014 until 2016. Bank Indonesia in its regulation provides criteria of loan collectibility into 4 kinds that is current, in special attention, substandard and loss or non performing loans. This study focuses only on the view of current loans and non performings loans. From linear regression result obtained positive influence from current lending to stock price increase and negative influence from non performings loans to stock price increase. From the results of simultaneous testing results obtained that the current loans and non performings loans affect stock price changes in banking companies observation period 2014 to 2016.
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Varghese K. X, Varghese K. X., and Dr Manoj P. K. Dr. Manoj P. K. "Educational loans And Non Performing Assets - An empirical Study." Paripex - Indian Journal Of Research 2, no. 2 (January 15, 2012): 184–86. http://dx.doi.org/10.15373/22501991/feb2013/66.

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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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Iskandar, Deni, Rudolf Lumbantobing, and Tommy Wahyudi Budianto. "Non-Performing Loans’ Impacts on the Banking Industries’ Loan Loss Provisions." International Dialogues on Education Journal 9, no. 1 (August 24, 2022): 130–50. http://dx.doi.org/10.53308/ide.v9i1.281.

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Non-performing loans can impact the loan loss provisions of the banking industry. The sample of this research was collected from three banks: PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Mandiri (Persero) Tbk, for the period of 2013-2018. There were 72 data, 24 from each of the banks. The analysis was carried out using multiple linear regression and Sobel path analyses. The results showed that Capital Adequacy Ratio had a significant positive effect on Non-Performing Loans. Interest rates did not significantly affect Non-Performing Loans. Non-Performing Loans did not significantly affect Loan Loss Provision. Capital Adequacy Ratio had a significantly positive effect on Loan Loss Provision. Interest rates did not significantly affect Loan Loss Provision. Foreign exchange rates (USD against Rupiah) did not significantly moderate the positive effect of the Capital Adequacy Ratio on the Loan Loss Provision. USD exchange rates significantly moderated the negative effect of Non-Performing Loans on Loan Loss Provision. The interaction between the USD exchange rate and Non-Performing Loans negatively affected Loan Loss Provision. Foreign exchange rates did not significantly or positively moderate the effect of interest rates on Loan Loss Provision. Non-Performing Loans significantly mediated the positive effect of Capital Adequacy Ratio on the Loan Loss Provision. In other words, the positive effect of the Capital Adequacy Ratio on Loan Loss Provision is more positive when Non-Performing Loans increase, and vice versa. Non-Performing Loans did not significantly mediate the negative effect of interest rates on Loan Loss Provision, or the negative effect of interest rates on the Loan Loss Provision would be more negative when the Non-Performing Loans decreases, and vice versa.
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Stijepović, Ristan. "Recovery and Reduction of Non-Performing Loans – Podgorica Approach." Journal of Central Banking Theory and Practice 3, no. 3 (September 1, 2014): 101–18. http://dx.doi.org/10.2478/jcbtp-2014-0017.

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Abstract Loan portfolio of Montenegro’s banking sector was largely affected by the growth in past due loans during the current financial crisis. High level of these loans limits banks’ lending activity which results in a decline in credit supply. Negative effects of the non-performing loans’ growth reflected adversely on economic strength of the real and households sectors. Majority of Montenegrin companies have significant liquidity problems and their defaults affect adversely the sound part of the economy, while reduced households spending reflects negatively on aggregate demand. Therefore, a new approach for the recovery of these loans should be sought and reduce their negative impact on loan portfolio of the banking sector. The World Bank Financial Sector Advisory Centre (FinSac) located in Vienna proposed a series of measures and recommendations for the resolution of these loans through several modules. In addition to the strengthening of loan portfolio and initiating more dynamic lending activity of the banking sector, the project called Podgorica Approach aims at strengthening financial stability of the system, supporting debtors’ recovery, and improving economic growth. Podgorica Approach contributed, in particular, to quantitative assessment of the recovery of non-performing loans which could return to the performing status through the restructuring process. Better qualitative understanding of these loans is necessary to act preventively and thus largely reduce migration from performing to non-performing loans. In addition, this approach aims at strengthening the incentives proposed by the authorities so that the level of non-performing loans is reduced through their successful implementation.
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Waqas, Muhammad, Nudrat Fatima, Aryan Khan, and Muhammad Arif. "Determinants of Non-performing Loans." International Journal of Finance & Banking Studies (2147-4486) 6, no. 1 (July 21, 2019): 51–68. http://dx.doi.org/10.20525/ijfbs.v6i1.617.

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The aim of the empirical study is to investigate credit risk determinants in banking sectors across three kinds of South Asian economies. An accumulated sample of 105 unbalanced panel data of financial firms over the period of 2000-2015, by applying General Method of Moment (GMM) estimation techniques one-step at the difference in order to identify factors influencing credit risk. This study is inspired by two broad categories of explanatory variables which are bank-specific and macroeconomic. Bank-specific factors influencing unsystematic risk, while macroeconomic factors promoting systematic risk. The study uses a proxy of non-performing loans for credit risk in banking sectors of Pakistan, India, and Bangladesh. The empirical results have been found aligned with theoretical arguments and literature as expected. In comparison, NPLs in Pakistan is greater than India and Bangladesh, while India has the lowest ratio of non-performing loans. The study documents that bank-specific factors (inefficiency, profitability, capital ratio and leverage) have a significant contribution towards credit risk. Further, the study also finds a significant impact of macroeconomic variables on non-performing loans. While, the result in the case of Bangladesh predicts contradictions that have no significant effect on non-performing loans at various levels. The overall results indicate that credit risk is not influenced by only external factors but also affect by internal factors like bad management and skimping etc.
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Dissertations / Theses on the topic "Non performing loans"

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Bendaj, Ilda <1994&gt. "Non Performing Loans in Italia." Master's Degree Thesis, Università Ca' Foscari Venezia, 2019. http://hdl.handle.net/10579/15146.

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Il presente lavoro mira a fornire un accurata analisi sul deterioramento dei crediti delle banche italiane. La crisi economica ha contaminato tutti i paesi anche se con intensità diversa. Si è cercato di analizzare le motivazioni che hanno portato all'incremento di queste partite anomale nel nostro paese. Motivazioni che non siano legati soltanto a fattori storici ed economici comuni a tutti i paesi ma, anche al "modo di fare banca" dei singoli istituti di credito. Si fa un analisi delle diverse manovre poste in atto per eliminare tale partite anomale, cominciando dall'attività di cessione, cartolarizzazione e costruzione del Fondo Atlante. Per capire più in fondo il caso dell'Italia si riporta l'esempio della Banca IFIS SPA, leader nel settore di NPLs.
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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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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.
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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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Brenner, Petra Josephine. "Non-performing Loans eine Analyse aktueller Rechtsfragen." Berlin Duncker & Humblot, 2009. http://d-nb.info/999631942/04.

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Thießen, Friedrich, and Patrick Fricke. "Non-Performing-Loans, Korruption und die Europäische Union." Universitätsbibliothek Chemnitz, 2018. http://nbn-resolving.de/urn:nbn:de:bsz:ch1-qucosa-233572.

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Die europäische Union hat Programme installiert (EFSF, EFSM, ESM) oder ist dabei dies zu tun (Europäische Einlagensicherung EDIS), die darauf hinauslaufen, dass Kapital von weniger korrupten Ländern in Länder mit höherem Korruptionsgrad transferiert wird. Die Literatur deckt einen deutlichen Zusammenhang zwischen Kreditgeschäft und Korruption auf. In korrupteren Regionen verzeichnen Banken mehr Kreditausfälle und verbuchen mehr Non-Performing-Loans. Korruption im Kreditgeschäft ist sowohl auf der Schuldnerseite (i), wie auch auf der (ii) Gläubigerseite wie auch auf der (iii) Seite der Regierung bzw. Regulatorik anzutreffen. Korrupte Länder zeichnen sich durch schwache Rechtssysteme aus, die es Gläubigern erschweren, ihre Rechte durchzusetzen. In Griechenland spricht man von „strategischen“ Kreditnehmern, die es von vornherein darauf anlegen, Kredite nicht ordnungsgemäß zu bedienen. Außer privaten Schuldnern zeigen auch öffentliche Schuldner in korrupteren Ländern eine höhere Ausfallquote ihrer Kredite („Moratorium“). Im Ergebnis bedeutet dies, dass es für Kapitalgeber ein großes Risiko darstellt, finanzielle Hilfen an korrupte Länder zu leisten. In Zukunft sollten bei allen europäischen Projekten, die mit rückzahlbaren Geldtransfers in Länder mit hohem Korruptionsgrad verbunden sind oder sein können, eine Korruptionsauswirkungsanalyse („corruption impact assessment“) angefertigt werden, welche die voraussichtlichen Folgen der Korruption für das Projekt darlegt. Außerdem sollten Banken in korrupteren Ländern mehr Eigenkapital halten. Die Europäische Einlagensicherung sollte aufgeschoben werden
The European Union installed financial programs that enable the transfer of money from less corrupt countries into countries with higher corruption grades (EFSF, EFSM, ESM, European deposit insurance EDIS). This is a risk for lenders in less corrupt countries. The scientific literature proofs that there is a significant correlation between the corruption grade of a country and the Non-Performing-Loan-quota (i) and loan losses (ii). Corruption can be traced back to actions of debtors, of lenders and of regulators. The latter refuse to install strong legal systems that would enable it lenders to enforce their rights. In corrupt countries a collaboration of many parties at the expense of outsiders and especially foreigners can be observed. In Greece the term “strategic borrower” has been established to describe the phenomenon that borrowers systematically try to evade the redemption of their loans with the help of the weak legal system. Taken altogether it is risky for European lenders to transfer money into corrupt jurisdictions. It seems to be necessary to complement European financial projects with detailed impact assessments of the corruption-problem. Banks in corrupt countries should hold higher equity ratios. The European deposit insurance should be suspended
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Guilherme, Miguel Ângelo Brito. "Gestão da formação numa empresa non-performing loans." Master's thesis, Instituto Superior de Economia e Gestão, 2021. http://hdl.handle.net/10400.5/21693.

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Mestrado em Gestão de Recursos Humanos
A digitalização da formação e desenvolvimento, permitiu repensar na fórmula como se deve satisfazer as necessidades dos indivíduos e da organização, neste processo de fusão do mundo físico com o tecnológico. As empresas, hoje, necessitam de continuar a confiar em práticas de formação eficientes e eficazes para ajudar a reter colaboradores que reforcem ou aumentem as suas competências.O objetivo central do presente Trabalho Final de Mestrado pretende descrever as atividades formativas realizadas na Servdebt, Capital Asset Management, reconhecendo e aplicando as diferentes etapas do ciclo formativo: diagnóstico, conceção,implementação e avaliação, na execução de uma ação de formação.Este trabalho na modalidade de estágio curricular, possibilitou ao aluno um contacto mais próximo e direto com uma realidade organizacional, promovendo, assim, uma aprendizagem, participação e intervenção inerentes ao papel de um profissional de Recursos Humanos.
The digitalization of training and development has made it possible to rethink the formula for meeting the needs of individuals and organization in this process of merging the physical and technological worlds. Companies today need to continue to rely on efficient and effective training practices to help retain employees to reinforce or increase their skills.The main goal of this Master's Final Work is to describe the training activities performed at Servdebt, Capital Asset Management, recognizing and applying the different stages of the training cycle: diagnosis, design, implementation and evaluation, in the execution of a training action, This work a curricular internship enabled the student to have a closer and more direct contact with an organizational reality, thus promoting learning, participation and intervention inherent to the role of a Human Resources professional.
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Falk, Soylu Denniz. "Recovery Rate Modelling of Non-performing Consumer Loans." Thesis, Uppsala universitet, Tillämpad matematik och statistik, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-322495.

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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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Sartor, Dalila <1991&gt. "Le strategie di gestione dei Non Performing Loans." Master's Degree Thesis, Università Ca' Foscari Venezia, 2017. http://hdl.handle.net/10579/11750.

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I crediti non performing sono una fonte di rischio significativa, in grado di incidere profondamente nella redditività delle singole banche generando perdite che propagandosi a livello sistemico, hanno coinvolto l'intero il sistema bancario, lo stato e la collettività. A partire dalla crisi dei subprime il fenomeno si è progressivamente diffuso ed aggravato ha determinato la necessità di molteplici interventi delle autorità tramite una regolamentazione più stringente e lo sviluppo di apposite strategie di gestione che permettano il recupero e la ristrutturazione delle esposizioni secondo criteri di efficacia ed efficienza. Il presente elaborato ha come obiettivo l'analisi del processo di valutazione, monitoraggio e gestione del credito problematico e le soluzioni che possono essere implementate per arginare e risolvere il problema, a partire dalla costituzione di una NPL workout unit interna, alla cessione e/o cartolarizzazione, alla creazione di una Bad Bank. La definizione della strategia di gestione più efficace richiede la valutazione dei punti di forza e di debolezza di ogni soluzione e le possibili conseguenze in termini di impatto per la redditività e solvibilità dei singoli istituti di credito. La dimensione del fenomeno è diventata rilevante negli ultimi anni soprattutto per l'Italia, la cui situazione verrà specificatamente analizzata al fine di comprendere i possibili sviluppi futuri.
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Books on the topic "Non performing loans"

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

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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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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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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 loans"

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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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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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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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Kokkinis, Andreas, and Andrea Miglionico. "The regulation of non-performing loans." In Banking Law, 310–26. Milton Park, Abingdon, Oxon ; New York, NY : Routledge, 2021.: Routledge, 2021. http://dx.doi.org/10.4324/9781003133636-20.

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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. "Grundlagen." In Der Verkauf von Non Performing Loans, 9–36. Wiesbaden: Gabler Verlag, 2010. http://dx.doi.org/10.1007/978-3-8349-8480-7_2.

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Dick, Markus. "Ablauf von NPL-Transaktionen und Bewertung von NPL." In Der Verkauf von Non Performing Loans, 37–56. Wiesbaden: Gabler Verlag, 2010. http://dx.doi.org/10.1007/978-3-8349-8480-7_3.

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Dick, Markus. "Workout durch Banken oder Dritte?" In Der Verkauf von Non Performing Loans, 57–73. Wiesbaden: Gabler Verlag, 2010. http://dx.doi.org/10.1007/978-3-8349-8480-7_4.

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Conference papers on the topic "Non performing loans"

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Muslih, Muslih, Hazmanan Khair, Januri Januri, Ade Gunawan, and M. Alpi. "The Valuation of Non-Performing Loans." In Proceedings of The 2nd International Conference On Advance And Scientific Innovation, ICASI 2019, 18 July, Banda Aceh, Indonesia. EAI, 2019. http://dx.doi.org/10.4108/eai.18-7-2019.2288580.

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Said, Rosli, Nasir Daud, and Tham Wei. "Macroeconomic Determinants of Non Performing Property Loans in Malaysia." In 25th Annual European Real Estate Society Conference. European Real Estate Society, 2018. http://dx.doi.org/10.15396/eres2018_328.

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Kocisova, Kristina, and Martina Pastyriková. "DETERMINANTS OF NON-PERFORMING LOANS IN EUROPEAN UNION COUNTRIES." In 13th Economics & Finance Virtual Conference, Prague. International Institute of Social and Economic Sciences, 2020. http://dx.doi.org/10.20472/efc.2020.013.005.

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Zhong, Yue. "A Study on the Non-performing Loans Market in China." In 1st International Symposium on Innovative Management and Economics (ISIME 2021). Paris, France: Atlantis Press, 2021. http://dx.doi.org/10.2991/aebmr.k.210803.040.

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"Non Performing Loans in Germany - A Transaction Cost Based Analysis." In 2005 European Real Estate Society conference in association with the International Real Estate Society: ERES Conference 2005. ERES, 2005. http://dx.doi.org/10.15396/eres2005_300.

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Zhang, Zhenqian. "Analysis on Non-performing Loans of Chongqing Rural Commercial Bank." In Proceedings of the 2nd International Symposium on Social Science and Management Innovation (SSMI 2019). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/ssmi-19.2019.60.

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Makri, Vasiliki, Athanasios Tsaganos, and Athanasios Bellas. "A cross-country study: Determinants of Non-Performing Loans in the Eurozone." In Annual International Conference on Accounting and Finance. Global Science & Technology Forum (GSTF), 2011. http://dx.doi.org/10.5176/978-981-08-8957-9_af-054.

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Martiningtiyas, Catur Rahayu, and Dewi Tirtarini Nitinegeri. "The Effect of Non-Performing Loans on Profitability in Banking Sector in Indonesia." In International Conference on Management, Accounting, and Economy (ICMAE 2020). Paris, France: Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.200915.016.

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Putra, I. Dewa Gede Indra Eka, I. Nyoman Putu Budiartha, and I. Nyoman Sujana. "Implementation of Credit Restructuring Provisions for Debtors of Non-Performing Loans in Bank Credits." In International Conference of Social Science. ACM, 2019. http://dx.doi.org/10.4108/eai.21-9-2018.2281136.

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Ramli, Noor Asiah, Nurul Iman Mohammed, Siti Aida Sheikh Hussin, and Siti Shaliza Mohd Khairi. "Investigating the effect of non-performing loans on technical efficiency in Malaysian banking sector." In MATHEMATICAL METHODS AND COMPUTATIONAL TECHNIQUES IN SCIENCE AND ENGINEERING II. Author(s), 2018. http://dx.doi.org/10.1063/1.5045414.

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Reports on the topic "Non performing loans"

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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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Heeg, Susanne, and Marit Rosol. Gebaute Umwelt : aktuelle stadtpolitische Konflikte in Frankfurt am Main und Offenbach. Goethe-Universität, Institut für Humangeographie, August 2014. http://dx.doi.org/10.21248/gups.34690.

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Susanne Heeg & Marit Rosol: Vorwort Svenja Keitzel, Janine Pößneck & Ole Werner: Zwangsräumungen in Frankfurt am Main - Wandel des Wohnungsmarktes und seine Folgen Eva Kuschinski: Sozialer Wohnungsbau lohnt sich nicht - Ökonomisierung der Frankfurter Wohnungspolitik am Beispiel der ABG Frankfurt Holding Nicole Dornig & Andreas Blechschmidt: Betrieblicher Wohnungsbau im Wandel: Eine Untersuchung am Beispiel der Eisenbahnersiedlung in Frankfurt-Nied Jakob Hebsaker & Pieterjan Dom: Alternatives Wohnen zwischen Häuserkampf und GmbH – Zur Entwicklung der Idee des Mietshäuser Syndikats Lucas Pohl & Franziska Vaessen: Die Möglichkeit von Irrelevanz: Zur stadtpolitischen Auseinandersetzung um selbstverwaltete (Frei-)Räume am Beispiel des „Instituts für vergleichende Irrelevanz“ in Frankfurt am Main Lara-Maria Mohr & Franziska Schmidt: Wohnraum verdichten, Wohnraum vernichten? - Bürgerbeteiligung bei der Planung von innerstädtischer Nachverdichtung Amrei Biedermann, Andre Mascarinas & Anna-Lena Ripperger: Wie die Verbriefung von Gewerbeimmobilien deutsche Städte verändert – das Beispiel City Tower in Offenbach am Main Der vorliegende 12. Band des vom Institut für Humangeographie herausgegebenen „Forum Humangeographie“ beschäftigt sich mit politischen Fragen rund um Wohnen und Immobilienentwicklung in Städten. Er vereint theoretisch fundierte und zugleich aktuelle empirische Beiträge zur Verwertung, Nutzung und Gestaltung der gebauten Umwelt, aber auch zu den Fragen, was der Verlust von Wohnraum bedeutet und welche alternativen Ansprüche an die gebaute Umwelt formuliert werden. Im regionalen Fokus dieses Sammelbandes stehen Frankfurt am Main und Offenbach als Teil der Rhein-Main-Region. Dieser räumliche Bezug hat forschungspraktische (z.B. Zugänglichkeit von Expert_innen), aber auch inhaltliche Gründe, da sich in dieser Region Wohnen und die gebaute Umwelt im besonderen Maße als gesellschaftliches Konfliktfeld – gekennzeichnet durch Phänomene wie Büroleerstand, Wohnungsmangel und Widerstand gegen Wohnen als Ware – erweisen und untersuchen lassen. Die Rhein-Main-Region ist wie andere große deutsche Metropolregionen von einem angespannten Immobilienmarkt geprägt, der das Ziel volatiler, d.h. in Bezug auf Umfang und Objekte sehr stark schwankender, Investments ist. Bis 2008 flossen Investitionen vorrangig in den Bürobestand, im Zuge der Finanz- und Schuldenkrise wurden Investments institutioneller Anleger jedoch in den Wohnungsmarkt umgelenkt (Scharmanski 2013; Heeg 2013). Hintergrund hierfür sind einerseits eine steigende Zahl von sog. notleidenden Krediten („non-performing loans“) im Büroimmobilienbereich (vgl. Biedermann et al., Kap. 7) und andererseits anziehende Mieten und Eigentumspreise auf dem Wohnungsmarkt, welche Investitionen in Wohnimmobilien lukrativ werden lassen (Kholodilin/Mense 2012). In der Folge werden vermehrt Luxuswohnungen erstellt und wird preiswerter Wohnraum vernichtet.
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Bano, Masooda. Narratives of Success against the Odds: Why Some Children in State Schools Go Far in Life—Evidence from Pakistan. Research on Improving Systems of Education (RISE), August 2022. http://dx.doi.org/10.35489/bsg-rise-wp_2022/104.

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What makes some children succeed despite studying in failing education systems? Are these children exceptionally gifted, or do other psychological or sociological factors and family circumstances contribute to success? To address the learning crisis in state schools in developing countries, development agencies have primarily focused on identifying inputs that can improve state education provision. Yet, even from low-performing state schools, some children do manage to successfully complete primary and secondary education cycles, pursue higher education, and record upward social mobility, but we know very little about the factors that facilitate this success. This paper addresses this gap in the literature. Tracing life histories of successful alumni of state schools supported by CARE, an education foundation in Pakistan, this paper identifies children’s motivation to succeed as having a major impact on educational performance. However, for most this motivation is not a product of an innate desire to excel, it is a product of contextual factors: parental encouragement; an acute desire to make parents happy and to alleviate their sufferings; the company of friends, cousins, and peers who are keen on education and thus help to create an aspiring, competitive spirit; encouragement given by good teachers; and exposure to new possibilities and role models that raise aspirations by showing that what might appear to the child unachievable is in fact attainable. High motivation in turn builds commitment to work hard. Equally important, however, is the provision of financial support at critical points, especially when transitioning from secondary school to college and university. Without financial support, which could be in the form of scholarships, loans, or income from part-time work, at critical junctures, even highly motivated children in state schools cannot succeed. The paper thus argues that rather than being focused solely on education inputs, development agencies should also seek to explore and understand the factors that can motivate children in state schools to aim high and work hard to succeed.
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Bano, Masooda. Narratives of Success against the Odds: Why Some Children in State Schools Go Far in Life—Evidence from Pakistan. Research on Improving Systems of Education (RISE), August 2022. http://dx.doi.org/10.35489/bsg-rise-wp_2022/104.

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Abstract:
What makes some children succeed despite studying in failing education systems? Are these children exceptionally gifted, or do other psychological or sociological factors and family circumstances contribute to success? To address the learning crisis in state schools in developing countries, development agencies have primarily focused on identifying inputs that can improve state education provision. Yet, even from low-performing state schools, some children do manage to successfully complete primary and secondary education cycles, pursue higher education, and record upward social mobility, but we know very little about the factors that facilitate this success. This paper addresses this gap in the literature. Tracing life histories of successful alumni of state schools supported by CARE, an education foundation in Pakistan, this paper identifies children’s motivation to succeed as having a major impact on educational performance. However, for most this motivation is not a product of an innate desire to excel, it is a product of contextual factors: parental encouragement; an acute desire to make parents happy and to alleviate their sufferings; the company of friends, cousins, and peers who are keen on education and thus help to create an aspiring, competitive spirit; encouragement given by good teachers; and exposure to new possibilities and role models that raise aspirations by showing that what might appear to the child unachievable is in fact attainable. High motivation in turn builds commitment to work hard. Equally important, however, is the provision of financial support at critical points, especially when transitioning from secondary school to college and university. Without financial support, which could be in the form of scholarships, loans, or income from part-time work, at critical junctures, even highly motivated children in state schools cannot succeed. The paper thus argues that rather than being focused solely on education inputs, development agencies should also seek to explore and understand the factors that can motivate children in state schools to aim high and work hard to succeed.
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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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Financial Stability Report - Second Semester of 2021. Banco de la República, September 2022. http://dx.doi.org/10.32468/rept-estab-fin.sem2.eng-2021.

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Banco de la República’s main objective is to preserve the purchasing power of the currency in coordination with the general economic policy that is intended to stabilize output and employment at long-term sustainable levels. Properly meeting the goal assigned to the Bank by the 1991 Constitution critically depends on preserving financial stability. This is understood to be a general condition in which the financial system assesses and manages the financial risks in a way that facilitates the economy’s performance and efficient allocation of resources while, at the same time, it is able to, on its own, absorb, dissipate, and mitigate the shocks that may arise as a result of adverse events. This Financial Stability Report meets the goal of giving Banco de la República’s diagnosis of the financial system’s and its debtors’ recent performance as well as of the main risks and vulnerabilities that could affect the stability of the Colombian economy. In this way, participants in financial markets and the public are being informed, and public debate on trends and risks affecting the system is being encouraged. The results presented here also serve the monetary authority as a basis for making decisions that will enhance financial stability in the general context of its objectives. In recent months, several positive aspects of the financial system have preserved a remarkable degree of continuity and stability: the liquidity and capital adequacy of financial institutions have remained well above the regulatory minimums at both the individual and consolidated levels, the coverage of past-due loans by loan-loss provisions remains high, and the financial markets for public and private debt and stocks have continued to function normally. At the same time, a surge in all the types of loan portfolios, a sharp downturn in the non-performing loan portfolio, and a rise in the profitability of credit institutions can be seen for the first time since the beginning of the pandemic. In line with the general recovery of the economy, the main vulnerability to the stability of the Colombian financial system identified in the previous edition—uncertainty about changes in the non-performing loans portfolio—has receded and remains on a downward trend. In this edition, the main source of vulnerability identified for financial stability in the short term is the system’s exposure to sudden changes in international financial conditions; the results presented in this Report indicate that the system is sufficiently resilient to such 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 necessary to ensure the proper functioning of the economy, facilitate the flow of sufficient credit and liquidity resources, and further the smooth functioning of the payment system. Leonardo Villar Gomez Governor Box 1 -Decomposition of the Net Interest Margin in Colombia and Chile Wilmar Cabrera Daniela Rodríguez-Novoa Box 2 - Spatial Analysis of New Home Prices in Bogota, Medellín, and Cali Using a Geostatistical Approach María Fernanda Meneses Camilo Eduardo Sánchez Box 3 - Interest Rate Model for the SYSMO Stress Test Exercise Wilmar Cabrera Diego Cuesta Santiago Gamba Camilo Gómez Box 4 - The Transition from LIBOR and other International Benchmark Rates Daniela X. Gualtero Briceño Javier E. Pirateque Niño
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