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Journal articles on the topic 'Non performing loans'

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Published: 4 June 2021
Last updated: 9 March 2023

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1

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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2

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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3

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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4

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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5

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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6

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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7

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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8

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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9

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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10

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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11

Gjeçi, Ardit, and Matej Marinč. "Corruption and Non-Performing Loans." Economic and Business Review 24, no. 4 (December 1, 2022): 240–59. http://dx.doi.org/10.15458/2335-4216.1312.

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12

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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13

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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14

Mahmood, Bilal. "Determinants of Bank’s Non-Performing Loans: A Case Study of Pakistan." International Journal of Trend in Scientific Research and Development Volume-2, Issue-5 (August 31, 2018): 2148–68. http://dx.doi.org/10.31142/ijtsrd15910.

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15

Rottke, Nico B., and Julia Gentgen. "Workout management of non‐performing loans." Journal of Property Investment & Finance 26, no. 1 (February 8, 2008): 59–79. http://dx.doi.org/10.1108/14635780810845163.

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16

Polter, Stefan. "Ein Lösungsweg für Non-Performing Loans?" Bankmagazin 53, no. 6 (June 2004): 23. http://dx.doi.org/10.1007/bf03230261.

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17

Wunsch, Bernhard. "Rechtlicher Drahtseilakt mit Non Performing Loans." Bankmagazin 55, no. 4 (April 2006): 13. http://dx.doi.org/10.1007/bf03240092.

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18

Harimurti, Cundo, Pandoyo Pandoyo, and Mohammad Sofyan. "FACTORS AFFECTING NON-PERFORMING LOANS IN STATE-OWNED BANKING." International Journal of Economics, Business and Accounting Research (IJEBAR) 6, no. 2 (June 27, 2022): 958. http://dx.doi.org/10.29040/ijebar.v6i2.5273.

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This research aims to analyze the influence of macroeconomic factors projected by inflation and bank-specific factors used, namely Return on Asset, Equity to Asset Ratio, and Bank Size on Non-Performing Loan of State-Owned Banking for the period 2017-2021. This type of research is a causal associative study because it was conducted to determine the effect of Return on Assets, Equity to Asset Ratio, Inflation, and Bank Size on Non-performing State-owned banking Loans for the period 2017-2021. This research data analysis method uses data panel analysis as a data processing tool using EViews version 10. Return on Assets has a significant negative effect on Non-Performing Loans. Equity to Asset Ratio and bank size have a significant positive effect on Non-Performing Loans. Whereas inflation has a positive effect on Non-Performing Loans
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19

Saputra, I. Komang Dedy, and Ni Luh Eka Ayu Permoni. "EFEKTIVITAS PENGELOLAAN NPL (NON PERFORMING LOAN) DI LEMBAGA PERKREDITAN DESA (LPD)." JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan bisnis, Akuntansi 1, no. 2 (June 30, 2021): 101–12. http://dx.doi.org/10.52300/jemba.v1i2.2988.

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This study aims to analyze the effectiveness of the management of Non-Performing Loans (NPLs) in the Pedawa Traditional Village LPD through the Non Performing Loan (NPL) ratio, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP) and Cost. Operational Operating Income (BOPO), the sample used in this study is financial reports for 36 months. The research was conducted using quantitative analysis methods. The results of this study explain that the Capital Adequacy Ratio (CAR) has a significant negative effect on Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP), and Operational Income Operational Costs (BOPO) have a significant effect. positive for Non Performing Loans (NPL)
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20

Küçük, Şeyma Yilmaz. "DETERMINANTS OF NON-PERFORMING CONSUMER LOANS FOR TURKEY: ARDL BOUNDS TESTING APPROACH." Business, Management and Economics Engineering 20, no. 02 (December 15, 2022): 312–28. http://dx.doi.org/10.3846/bmee.2022.16936.

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Purpose – the aim of this study is to specify the factors affecting the non-performing consumer loans in deposit banks operating in Turkey. Besides the internal factors specific to banks, the effect of macroeconomic factors is also investigated. Research methodology – monthly data of deposit banks operating in Turkey and data on macroeconomic indicators for the period 2005:1–2021:12 is used is the study. With these data, ARDL bound testing approach is applied. If there is cointegration relation between variables, the long and short run coefficients are estimated. Findings – with the two different models created in the study, it has been specified that macroeconomic variables and internal variables have a cointegration relationship with non-performing loans. The rise in loan interest rates and unemployment rate increase the rate of non-performing consumer loans. Conversely, the increase in deposit interest rates and the dollar exchange rate decreases the rate of non-performing consumer loans. For internal factors, it is determined that the increase in the capital adequacy standard ratio and the return on assets decreases the ratio of non-performing consumer loans. Research limitations – the major limitation of this study is to research only the factors affecting the non-performing consumer loans ratio for Turkey. Practical implications – the results obtained in the study are valuable for bank managers and investors. Administrative decisions and investment decisions by considering the factors affecting the non-performing consumer loans ratio will increase the performance of both groups. Originality/Value – studies in the literature generally consider non-performing loans for banks as a whole. However, determining the factors affecting the non-performing loans ratio on the basis of loan types will make a significant contribution to the literature. For this reason, the factors affecting the non-performing consumer loans for the Turkish market is investigated, thus contributing to the literature.
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21

Sthembiso Msomi, Thabiso. "Factors affecting non-performing loans in commercial banks of selected West African countries." Banks and Bank Systems 17, no. 1 (January 19, 2022): 1–12. http://dx.doi.org/10.21511/bbs.17(1).2022.01.

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This paper examines the macro-economic and bank-specific factors affecting non-performing loans in commercial banks. Using 47 listed commercial banks from six countries, namely 19 banks from Nigeria, 14 banks from Benin, 3 banks from Burkina Faso, 3 banks from Gambia, 3 banks from Guinea, and 5 banks from Liberia for the period 2008 to 2019, fixed and random effect model was used. The Hausman test favored the selection of fixed effect model, and it was found from the estimation that the liquidity ratio, capital adequacy ratio and inflation rate significantly affect non-performing loans. As a result, it is advised that banks depend not only on their ability to achieve the capital adequacy ratio, but also guarantee that loans are thoroughly scrutinized before being issued to beneficiaries. Bank managers should guarantee that banking staff is not simply awarding loans to secure their jobs by accumulating deposits from consumers at the price of the bank’s long-term stake. In addition, the economies of West Africa should keep their inflation rates low so that repayment of loans on time is cheap and realistic. AcknowledgmentI would like to appreciate Fezile Nonjabulo Gcwabaza for love and support throughout this research project.
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22

Abbas, Faisal, Omar Masood, Shoaib Ali, and Sohail Rizwan. "How Do Capital Ratios Affect Bank Risk-Taking: New Evidence From the United States." SAGE Open 11, no. 1 (January 2021): 215824402097967. http://dx.doi.org/10.1177/2158244020979678.

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This study aims to examine the impact of different capital ratios on Non-Performing loans, Loan Loss Reserves, and Risk-Weighted Assets by studying large commercial banks of the United States. The study employed a two-step system generalized method of movement (GMM) approach by collecting the data over the period ranging from 2002 to 2018. The study finds that using Non-Performing loans and Loan Loss Reserves as a proxy for risk, results support moral hazard hypothesis theory, whereas the results support regulatory hypothesis theory when Risk-Weighted Assets is used as a proxy for risk. The results confirm that the influence of high-quality capital on Non-Performing loans, Loan Loss Reserves, and Risk-Weighted Assets is substantial. The distinctive signs of Non-Performing loans, Loan Loss Reserves, and Risk-Weighted Assets have indications for policymakers. The results are intimate for formulating new guidelines regarding risk mitigation to recognize Non-Performing loans and Loan Loss Reserves and the Risk-Weighted Assets for better results. JEL Classification: G21, G28, G29
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23

Ніколаєва, Анжела. "STRATEGY OF THE BANK FOR REDUCING NON-PERFORMING LOANS." Економічний форум 1, no. 4 (December 25, 2022): 208–14. http://dx.doi.org/10.36910/6775-2308-8559-2022-4-26.

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The article examines the theoretical, normative, and methodical aspects of the formation of banks' strategies for reducing non-performing loans, systematizes, supplements, and details the system of factors that cause non-performing loans in domestic banks. The purpose of the study is to systematize and detail the list of possible factors for the emergence of problem loans and to develop an appropriate strategy for reducing nonperforming loans in domestic banks. The systematization of literary sources and approaches to solving this problem indicates the absence among scientists and experts in the banking sphere of a generally accepted system of factors for the emergence of non-performing loans in banks, which would take into account the different nature and subjects of their influence at the micro and macro levels. In addition, the study showed the need for the formation or revision of existing strategies for reducing non-performing loans, which will enable banks to be operationally ready for the settlement of particularly large volumes of non-performing loans in current realities. The urgency of solving this scientific problem lies in the fact that in the current conditions of a significant increase in the volume of non-performing loans, improving the quality of bank loan portfolios and ensuring the financial stability of the banking system as a whole is impossible without the development of a comprehensive strategy for reducing nonperforming loans. The study of the problem covered in the article is carried out in the following logical sequence: identification of the factors of the occurrence of non-performing loans in banks at the micro- and macro-levels, their systematization, addition and detailing by the nature and participants of credit relations that caused their occurrence; development of the bank's strategy for reducing non-performing loans, which includes the main stages of a comprehensive action plan and appropriate measures for the settlement of problem credit debt at each of these stages. The methodological toolkit of the research was a complex of complementary methods: analysis and synthesis, cause and effect analysis - for systematization, detailing and addition to the list of internal and external factors of the occurrence of non-performing loans in banks, system-analytical, logical generalization - for the development of a strategy for reducing non-performing loans in domestic banks, etc. The object of the research is portfolios of non-performing loans of domestic banks, as well as a set of factors of their occurrence and measures to reduce them. The article presents the results of a cause-and-effect analysis, which made it possible to systematize, detail, and supplement the list of internal and external factors of the occurrence of non-performing loans in banks. The results of the system analysis and logical generalization are presented, which serve as the basis for the formation of a strategy for reducing non-performing loans in banks. The results of the research can be useful for Ukrainian banks, allowing them to minimize credit risks in the future.
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24

Yugita, Tesa Uci, Ali Anis, and Alpon Satrianto. "PENGARUH KEBIJAKAN MAKROPRUDENSIAL TERHADAP RESIKO KREDIT MACET PADA BPR KONVENSIONAL DI INDONESIA." Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan 6, no. 2 (November 1, 2017): 161. http://dx.doi.org/10.24036/ecosains.11064657.00.

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This research purpose are to the analyse the (1) LTV Policy, (2)Interest rates on Consumption Loans (3) The Capital Adequacy Ratio in terms of the Non Performing Loans in BPR convensional Indonesia. Methods that being used are Ordinary Least Square (OLS), the estimation results show that (1)LTV Policiy has a significant positive effect the Non Performing Loans in BPR convensional Indonesia (2) Interest rates on consumption loans has a significant positive effect on Non Performing Loans in BPR convensional Indonesia, and(3) The Capital Adequacy Ratio has a significant positiveeffects the Non Performing Loan in BPR convensional Indonesia.
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25

Ispriyarso, Budi. "Perlakuan Perpajakan Terhadap Non Performing Loan ( NPL) Dalam Perspektif Hukum Pajak." Administrative Law and Governance Journal 1, no. 2 (August 8, 2018): 106–27. http://dx.doi.org/10.14710/alj.v1i2.106-127.

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Non Performing Loan ( NPL ) is a default loans, includes doubtful loans, non-performing loans and bad credits. The emerging of NPLs that not immediately solved may lead to unhealthy situation for the concerned bank. According to the tax law studies, the dispute of NPLs due to the differences opinion whether it could be included as a deduction from gross income or not being used to calculate the taxable income. Such differences come off due to legal uncertainty of the the regulations governing the NPLs. Hence, it is necessary that the regulation of NPLs should reflect the fairness and legal certainty. Key Word : Non Performing Loan, Tax Dispute
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26

Tanjung, Oppie Meisya, Isfenti Sadalia, and Nisrul Irawati. "The Effect of Macroeconomics on Non-Performing Loans with Credit Growth as an Intervening Variable at PT. Bank SUMUT." International Journal of Research and Review 9, no. 7 (July 23, 2022): 535–49. http://dx.doi.org/10.52403/ijrr.20220758.

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Macroeconomics in Indonesia is a system for analyzing changes in the country's economy that can affect markets, companies and society. Macroeconomics can also explain the shape of changes in economic conditions in Indonesia. The formulation of the problem in this study are: (1) Does the inflation rate, interest rate and exchange rate have a partial effect on Non Performing Loans at PT. Bank SUMUT; (2) Does Non-Performing Loan affect credit growth at PT. Bank SUMUT; (3) Does the inflation rate, interest rate and exchange rate have a partial effect on Non Performing Loans through credit growth at PT. Bank SUMUT. The type of research used in this study is a causal research method using a quantitative approach, using quantitative data carried out by classical assumption tests, multiple regression analysis, and path analysis using Eviews 10. The results show that (1) Inflation and interest rates have a positive and significant effect on Non-Performing Loans, this indicates that the higher the inflation rate and interest rates, the higher the Non-Performing Loans, while the Rupiah exchange rate has a positive but not significant effect. to Non Performing Loans, this shows that the higher the Rupiah exchange rate does not affect the Non Performing Loans; (2) Credit growth has a negative and significant effect on Non-Performing Loans, this indicates that the higher the credit growth, the lower the Non-Performing Loans; (3) The inflation rate and interest rates have a significant effect on credit growth and credit growth also has a significant effect on Non Performing Loans, so this shows that credit growth can mediate the relationship between inflation rates and interest rates on Non Performing Loans, while the exchange rate Rupiah has no effect on credit growth but credit growth has a significant effect on Non-Performing Loans, so this shows that credit growth cannot mediate the relationship between the Rupiah exchange rate and Non- Performing Loans. Keywords: Inflation Rate, Interest Rate, Rupiah Exchange Rate, Credit Growth, Non-Performing Loans..
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Ugwuanyi, Ihemeje J. C. ,., Geogina Obinne, and Efanga, Udeme Okon. "Non-performing Loans and Banks’ Profitability in Nigeria." INDO-ASIAN JOURNAL OF FINANCE AND ACCOUNTING 3, no. 2 (2022): 97–116. http://dx.doi.org/10.47509/iajfa.2022.v03i02.03.

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: The study investigated the effect of non-performing loans on bank profitability in Nigeria. This study adopts among other techniques the Ordinary Least Squares (OLS) test method. A multiple regression model was formulated to ascertain the relationship between the non-performing loan and banks profitability variables. Our findings establish that Non-performing Loan exhibited negative and insignificant relationship with Return on Capital Employed, and Performing Loan shows a positive and significant relationship with Return on Capital Employed. However, our result with negative coefficients for Non-performing Loan (NPL) indicates that if they are increased, can also decrease Return on Capital Employed (ROCE). The study therefore advocate that there should be a committed effort by regulation agents to reduce monitor loan access issues and utilization of borrowed fund through financial probe, with sanction implemented to save the future, also government should create an effective and favourable socio-political environment with facilities that will attract more investment into the country
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Sefriyana, Melfariza, Ridwan Nurazi, and Nikmah Nikmah. "INFLASI, SUKU BUNGA SBI, PERTUMBUHAN GDP DAN NON-PERFORMING LOAN BANK BENGKULU." JURNAL FAIRNESS 10, no. 3 (March 31, 2021): 149–58. http://dx.doi.org/10.33369/fairness.v10i3.15261.

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The purpose of this study is to examine the effect of inflation, SBI interest rates and gross domestic product (GDP) growth on non-performing loans of Bank Bengkulu. This research was conducted with a quantitative approach. Samples are time series data or time series in a span of 10 years, starting from January 2009 to December 2018. Data collection through n secondary data obtained from documentation studies, while data analysis used multiple regression analysis. The results show that inflation positively effect on non-performing loans of Bank Bengkulu. This means that the higher the inflation rate, the non-performing loan will increase, conversely the lower the inflation, the non-performing loan will decrease. SBI interest rates do not affect the NPL of the Bank Bengkulu. This means that the increase or not the non-performing loan of Bank Bengkulu can not be predicted by interest rates. GDP negatively effect on non-performing loans at the Bank Bengkulu. That is, the higher the GDP the non performing loan will be lower, conversely the lower the GDP the non performing loan will increase.
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Pratama, Fauziah Zagita, and Ali Anis. "Pengaruh Pertumbuhan Ekonomi, Inflasi dan Loan to Deposit Ratio Terhadap Non Performing Loan Pada Bank Umum di Indonesia." Jurnal Kajian Ekonomi dan Pembangunan 4, no. 3 (September 1, 2022): 9. http://dx.doi.org/10.24036/jkep.v4i3.13763.

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This study expects to look at the impact of economic growth, inflation, loan to deposit ratio toward non performing loan at commercial banks in Indonesia from 2005 to 2020. This study uses multiple linear regression analysis and found that : (1) Economic growth has a positive but not significant effect on non-performing loans at commercial banks in Indonesia with a significance of 0.7719; (2) Inflation has a negative but not significant effect on non-performing loans at commercial banks in Indonesia with a significance of 0.0852; (3) Loan to deposit ratio has a negative and significant effect on non-performing loans at commercial banks in Indonesia, with a significance of 0.0002; (4) Based on the results of the simultanous test of the effect of the independent variables on the dependent variable, the variables of economic growth, inflation, loan to deposit ratio have a significant effect on non-performing loans in commercial banks in Indonesia by 43%.
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Pham, Nam Hai, and Nguyen Ngoc Tan. "Applying Bayesian method to investigate determinants of non performing loans of banks in Vietnam." Science & Technology Development Journal - Economics - Law and Management 5, no. 1 (February 9, 2021): first. http://dx.doi.org/10.32508/stdjelm.v5i1.704.

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This study was conducted to determine the factors affecting non-performing loans of commercial banks in Vietnam for the period 2007 - 2018. The study applies the Bayesian approach and the Random-walk Metropolis-Hastings algorithm to evaluate the impact of micro and macro factors on non-performing loans of commercial banks. The dependent variable is non-performing loans, which is measured by the ratio of non-performing loans divided by total outstanding loans; the independent variables in terms of bank characteristics are non-performing loans of the previous year, profitability, bank size, bak loans, and bank capital; the macro variables are inflation and GDP growth. Research data was collected from financial statements of 30 Vietnamese commercial banks and the General Statistics Office of Vietnam from 2007 to 2018. To increase the reliability and efficiency of the model as well as reasonable Bayes inference, a convergence test of the MCMC chain was performed. The result of this study shows that non-performing loans of the previous year, bank size, bank loan, bank capital, and inflation have positive impacts on bank non-performing loans. In addition, bank profitability and GDP growth rate are factors that have the opposite effects. Based on the research results, the author proposes policy implications for the decision-makers to help banks reduce non-performing loans and promote banks to operate effectively and more efficiently.
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31

Jin, Justin, Khalid Nainar, and Chenwei Sun. "Bank non-performing loans, loan charge-offs, and crime incidence." Finance Research Letters 49 (October 2022): 103129. http://dx.doi.org/10.1016/j.frl.2022.103129.

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32

Bradley, Michael. "Alternative Loan Modification Programs for Distressed and Non-Performing Loans." Journal of Structured Finance 17, no. 4 (January 31, 2012): 124–33. http://dx.doi.org/10.3905/jsf.2012.17.4.124.

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33

Nursyahriana, Andi, Michael Hadjat, and Irsan Tricahyadinata. "Analisis Faktor Penyebab Terjadinya Kredit Macet." FORUM EKONOMI 19, no. 1 (November 28, 2017): 1. http://dx.doi.org/10.29264/jfor.v19i1.2109.

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This research aims to know the influence of debtors i.e. character of debtor, capacity, condition of economy, and collateral of debtor against non performing loans at PT Bank Tabungan Negara Cabang Bontang. This research was conducted in Bontang City. The methods used in this research was field survey by using questionnaire to 32 respondents in troubled debtor status. Sampling using cencus method. Data were analyzed by using multiple linear regression in statistical analysis with the help of the program SPSS ver. 20. Results of research conducted indicates that the variable character (X1) have significant and negative effect on non performing loans (Y), capacity (X2) have non significant and negative effect on non performing loans (Y), the variable condition of economy (X3) have non significant and negative effect on non performing loans (Y), and variable collateral (X4) have non significant and negative effect on non performing loans (Y).Keywords: non performing loan
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34

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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Rahman, Md Ataur, Md Asaduzzaman, and Md Shakhaowat Hossin. "Impact of Financial Ratios on Non-Performing Loans of Publicly Traded Commercial Banks in Bangladesh." International Journal of Financial Research 8, no. 1 (December 8, 2016): 181. http://dx.doi.org/10.5430/ijfr.v8n1p181.

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This study investigates the influences of a set of financial ratios on non-performing loans and to show to what extent of listed commercial banks in Bangladesh. In this study, we applied an econometric model to find out correlations among financial ratios and a sample of 96 observations has been analyzed from 20 banks out of 30 listed commercial banks during 2010-2015. This paper mostly agrees with the existing literature that, credit-deposit ratio, net interest margin have a positive influence on the non-performing loans and capital adequacy ratio, return on assets have a negative influence on the non-performing loans. This research also reveals that, sensitive sector’s loan, priority sector’s loan have significant positive influence on the non-performing loans and unsecured loans, profit per employee, investment deposit ratio have significant negative impact on gross non-performing loan. The findings of this research would help commercial banks to maintain standard financial ratios in order to improve their loan qualities and it would be beneficial to the central bank to examine its existing policy in banking supervision relating to the ratios of regulatory requirements like capital adequacy ratio the banks shall maintain.
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36

Bagna, Emanuel. "Valuation of Non-Performing Loans under Discussion." International Journal of Business and Management 15, no. 12 (November 6, 2020): 25. http://dx.doi.org/10.5539/ijbm.v15n12p25.

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In March 2018, the ECB published &ldquo;Addendum to the ECB Guidance to banks on non-performing loans: supervisory expectations for prudential provisioning of non-performing exposures&rdquo; in which it required non-performing loans originated after 1 April 2018 to be fully written down after 7 years, with unsecured loans to be written offer after only 2 years. In practice, this approach implies the use of a null value: i) after seven years for secured non-performing loans and ii) after two years for unsecured loans, with an accounting provision for an equivalent amount. European Banking Authority (EBA) statistics for 2019 show that provisions for non-performing loans in Europe were 44.9% (Note 1), corresponding to an NPL valuation of 55.1%, which is higher than the implicit value in the prudential provisions recommended by the ECB. The ECB&#39;s new guidelines on provision levels and the implicit value of such provisions creates serious doubt about banks&#39; estimated fair values of NPLs, as per what they book in their accounts. This article aims to use the disclosures provided by listed Italian banks in their notes to the accounts from 2009 to 2019 to determine if the fair value for NPLs, as divided between the secured part and the unsecured part, is value relevant and the amount of any discount/premium applied by the financial market compared to the actual fair value that is booked. The results highlight the excessively prudential nature of completely writing off non-performing loans and justify a review of the approach adopted by the European Council and Parliament in August 2019 (and subsequently adopted by the European Central Bank) in which unsecured NPLs should be fully written off after 3 years (compared to 2 years before), NPLs secured by real estate after 9 years (compared to 7 years before) and NPLs secured by non-real estate guarantees after 7 years (confirming the previous approach) for all loans originated after 26 April 2019.
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37

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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38

Dewi, Mertyani Sari. "EFEKTIVITAS PENGELOLAAN NPL (NON-PERFORMING LOAN) DI LEMBAGA PERKREDITAN DESA (LPD) DESA ADAT PEDAWA." Jurnal Revenue : Jurnal Ilmiah Akuntansi 3, no. 1 (June 6, 2022): 44–53. http://dx.doi.org/10.46306/rev.v3i1.50.

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This study aims to analyze the effectiveness of the management of Non-Performing Loans (NPLs) in the Pedawa Traditional Village LPD through the Non-Performing Loan (NPL) ratio, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP) and Cost. Operational Operating Income (BOPO), the sample used in this study is financial reports for 36 months. The research was conducted using quantitative analysis methods. The results of this study explain that the Capital Adequacy Ratio (CAR) has a significant negative effect on Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP), and Operational Income Operational Costs (BOPO) have a significant effect. positive for Non-Performing Loans (NPL).
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39

Alawiyah, Miryam, Dedy Wijaya Kusuma, and Fetri Setyo Liyundira. "IMPRESSION OF NON-PERFORMING LOAN, LOAN TO DEPOSIT RATIO, AND NET INTEREST MARGIN AGAINST PROFITABILITY." Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak 4, no. 1 (January 31, 2020): 27–31. http://dx.doi.org/10.30741/assets.v4i1.562.

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This study aims to determine the effect of Net Performing Loans, Loan to Deposit Ratio, and Net Interest Margin on profitability. Profitability is proxied by Return On Assets (ROA). Whereas the factor for the existence of Net Performing Loans (NPL) is proxied by non-performing loans, the Loan to Deposit Ratio (LDR) factor is proxied by third-party fund distribution, and the Net Interest Margin (NIM) factor is net interest income proxied. The population in this study amounted to 25 Rural Banks (BPR) in the Jember Regency, and for the study, the sample was 19 People's Credit Banks (BPR) in the Jember Regency, which were selected using the purposive sampling method for the 2017-2018 period. Data were analyzed using multiple linear regression. Based on the test results, it was concluded that the components of the Net Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) affect the profitability using the Return on Assets (ROA) ratio. This proves that Non-Performing Loans (NPLs), Loans to Deposit Ratio (LDR), and Net Interest Margin (NIM) can be used to measure how much income the Bank earns.
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40

Cetin, Huseyin. "The Relationship between non-Performing Loans and Selected EU Members Banks Profitabilities." International Journal of Trade, Economics and Finance 10, no. 2 (April 2019): 52–55. http://dx.doi.org/10.18178/ijtef.2019.10.2.637.

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41

Wanjala, Kevin, and Jane Njeri Gachanja. "Mr Bank Specific Determinants of Nonperforming Loans in Kenya." Business Perspective Review 2, no. 1 (June 18, 2020): 29–44. http://dx.doi.org/10.38157/business-perspective-review.v2i1.118.

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Purpose: This paper aims to explore the bank-specific determinants of Nonperforming Loans in Kenya. To achieve this objective, the study considers four bank-specific variables that are expected to affect the magnitude of non-performing loans. These variables are bank size as measured by banks' total assets, loan-to-deposit ratio, capital adequacy ratio, and interest rates. Methodology: The study used a causal research design. Aggregated data on all 43 Kenyan banks were collected from secondary sources. Time series regression was applied to the data. Results: The study finds that there is a positive relationship between bank size and non-performing loans. It also observes that there is a negative relationship between loans-to-deposit ratio and non-performing loans. The study further observes that there is a negative correlation between capital adequacy ratio and non-performing loans in Kenya. Finally, the study establishes that there is a positive relationship between the interest rate and non-performing loans in Kenya. Implications: The study recommends that banks should revise their interest rates downwards to enable borrowers to afford the loans and avert the cases of default. Banks should also invest in proper infrastructure for screening borrowers to avoid cases of loan default.
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42

Morakinyo, Akinola, Colette Muller, and Mabutho Sibanda. "Non-Performing Loans, Banking System and Macroeconomy." Studia Universitatis Babes-Bolyai Oeconomica 63, no. 2 (August 1, 2018): 67–86. http://dx.doi.org/10.2478/subboec-2018-0009.

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Abstract The study builds on previous studies of the consequences of non-performing loans on an economy. Using a seven-by-seven matrix in the impulse response function (IRF) of the structural autoregressive model, we find a long-run impact of an impulse to non-performing loans on the banking system and the macroeconomy in Nigeria. Conversely, non-performing loans also respond to the innovation of all macro-banking variables aside from the exchange rate and the growth rate to GDP. Also, the level of non-performing loans grows in influence in relation to the changes to the exchange rate using the variance decomposition tool of Structural VAR. Hence, a prominent role is assigned to the level of NPLs in linking the friction in the credit market to the susceptibility of both the banking system and the macroeconomy. This study passes the serial correlation tests and the three tests of normality.
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43

Tomi, Saliu Hakeem, Idih Ogwu Emmanual, and Adewole Joseph Adeyinka. "Implications of Non-Performing Loans on the Nigerian Deposit Money Banks." Asian Finance & Banking Review 4, no. 1 (May 2, 2020): 17–23. http://dx.doi.org/10.46281/asfbr.v4i1.556.

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The study examined the arguments and counterarguments within the scientific discussion on the implications of non-performing loans on the Nigerian deposit money banks. The main objective is to examine the effect of Non-Performing loan on the Performance of Deposit Money Banks in Nigeria. Data were sourced from Central Bank of Nigeria Statistical Bulletin. A systematization literary approach for data analysis was Auto Regression distribution lag (ARDL) bound tests. Findings revealed that there exist a long run significant relationship between Non performing loan and the Performance of Deposit Money Banks in Nigeria. It was revealed that persistence increase in Non-performing loans results in poor Performance of Deposit Money Banks in Nigeria. It was also discovered that Non Performing Loan reduces deposit money banks return on asset. The study therefore recommends that deposit money banks should employ competent risk managers that always use their skills to reduce the incident of non-performing loans in the Nigerian deposit money banks. The study also recommends that deposit money banks in Nigeria should always monitor the end-use of funds given to their customers in order to curb the incident of fund diversion which may result in non-performing loan.
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44

KHAN, FAZLI RAHMAN, MUHAMMAD NISAR KHAN, and SAIMA UROOGE. "Non-Performing Loan and Financial Stability of Banking Industry in Pakistan." International Review of Management and Business Research 9, no. 4 (December 7, 2020): 347–56. http://dx.doi.org/10.30543/9-4(2020)-29.

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The objectives of this study to assess the state of financial stability of commercial banks in Pakistan and then estimate how good, bad and worst economic conditions would influence the stability. Our design of the study is a mix of techniques. Pakistan have not experienced financial crisis due to some shocks, therefore stress events and its effects not included in design. This study examines the effect of non-performing loans on financial stability empirically. Based on the above premise, this thesis investigates the association of financial stability with non-performing loans for all commercial banks of Pakistan for the period of 2014-2018. The study used the 27 commercial banks having 162 bank year observations. The study measured of financial stability (FS) through the financial leverage ratio and liquidity ratio using the common effect model. For the non-performing loans this study uses the non-performing loan ratio. Using secondary data that is panel in nature and applying panel data models for analysis, the study finds out that non-performing loans negatively associated with financial stability of commercial banks in Pakistan. Keywords: Loan, Finance, Banking, Stability, Pakistan.
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45

KHAN, FAZLI RAHMAN, MUHAMMAD NISAR KHAN, and SAIMA UROOGE. "Non-Performing Loan and Financial Stability of Banking Industry in Pakistan." International Review of Management and Business Research 9, no. 4 (December 7, 2020): 347–56. http://dx.doi.org/10.30543/9-4(2020)-29.

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The objectives of this study to assess the state of financial stability of commercial banks in Pakistan and then estimate how good, bad and worst economic conditions would influence the stability. Our design of the study is a mix of techniques. Pakistan have not experienced financial crisis due to some shocks, therefore stress events and its effects not included in design. This study examines the effect of non-performing loans on financial stability empirically. Based on the above premise, this thesis investigates the association of financial stability with non-performing loans for all commercial banks of Pakistan for the period of 2014-2018. The study used the 27 commercial banks having 162 bank year observations. The study measured of financial stability (FS) through the financial leverage ratio and liquidity ratio using the common effect model. For the non-performing loans this study uses the non-performing loan ratio. Using secondary data that is panel in nature and applying panel data models for analysis, the study finds out that non-performing loans negatively associated with financial stability of commercial banks in Pakistan. Keywords: Loan, Finance, Banking, Stability, Pakistan.
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46

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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47

Mileris, Ričardas. "MACROECONOMIC FACTORS OF NON-PERFORMING LOANS IN COMMERCIAL BANKS." Ekonomika 93, no. 1 (January 1, 2014): 22–39. http://dx.doi.org/10.15388/ekon.2014.0.3024.

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Abstract. This article presents an analysis of macroeconomic factors and their impact on the percentage of non-performing loans (NPLs) in commercial banks of the EU countries. This problem is relevant because in recent years many EU countries had the economic downturns that can be visible in the main macroeconomic indicators. Also, banks have met the growth of non-performing loans when the debtors were not able to meet their financial obligations. The Basel III Agreement notes the necessity to consider the economic conditions of a country when assessing the credit risk of loan applicants. The results of this research can be useful for banks, because the main relations between macroeconomics and non-performing loans have been revealed. Since 2009, Lithuania has one of the highest NPL percentage in the EU, and the meaningful impact of economic deterioration on the debtors‘ ability to repay debts to banks has been proven. The same situation was ascertained in other EU countries with imperfect economic conditions. Conversely, it has been estimated that banking systems in the EU countries with developed economies are not very sensitive to the business cycle fluctuations. So, in Lithuanian banks, when managing credit risk, the consideration of economic conditions is very important.Key words: banks, credit risk, macroeconomics, non-performing loans
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48

Ye, Hui, and Anthony Bellotti. "Modelling Recovery Rates for Non-Performing Loans." Risks 7, no. 1 (February 20, 2019): 19. http://dx.doi.org/10.3390/risks7010019.

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Based on a rich dataset of recoveries donated by a debt collection business, recovery rates for non-performing loans taken from a single European country are modelled using linear regression, linear regression with Lasso, beta regression and inflated beta regression. We also propose a two-stage model: beta mixture model combined with a logistic regression model. The proposed model allowed us to model the multimodal distribution we found for these recovery rates. All models were built using loan characteristics, default data and collections data prior to purchase by the debt collection business. The intended use of the models was to estimate future recovery rates for improved risk assessment, capital requirement calculations and bad debt management. They were compared using a range of quantitative performance measures under K-fold cross validation. Among all the models, we found that the proposed two-stage beta mixture model performs best.
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49

Radivojevic, Nikola, and Jelena Jovovic. "Examining of Determinants of Non-Performing Loans." Prague Economic Papers 26, no. 3 (June 1, 2017): 300–316. http://dx.doi.org/10.18267/j.pep.615.

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50

Jolevski, Ljube. "Modalities for resolving the non-performing loans." HORIZONS.A 21 (December 15, 2017): 181–89. http://dx.doi.org/10.20544/horizons.a.21.2.17.p15.

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