This study investigates the relationship between ownership structure (foreign and domestic) and bank risk-taking over the period 2014-2022. The analysis includes 66 banks operating in the GCC, divided into 44 domestically owned, and 22 foreign-owned banks. The research examines the relationship...

The Middle East and North Africa (MENA) region has faced challenges like political instability and economic fluctuations, which have impacted non-performing loans (NPL) levels. At the same time, over the years, reforms and regulations have encouraged stronger board structures to enhance...

The significant increase in non-performing loans (NPLs) during the escalating recession of the Greek economy motivates us to study the predictive power of credit rating models in periods of economic shocks. In parallel, we examined the responsibilities of bank management in the expansion of NPLs...

This study revisits the macroeconomic determinants of non-performing loans using a deep neural network (DNN). We present the proposed DNN as a methodological framework that combines deep learning techniques and causal inference methods. We employ a rigorous triple-validation methodology that...

The paper empirically analyses the factors responsible for non-performing assets (NPAs) in India's banks, with a focus on bank-specific factors or determinants. Panel estimation of a total sample of 43 Indian banks, comprising 20 public sector banks (PSBs), 18 domestic private banks, and 5...

Banks in the United States face persistent challenges from non-performing loans (NPLs), despite conducting thorough client evaluations before issuing loans. To mitigate the impact of NPLs and support both local and global growth, banks must adopt effective risk management strategies. This study...

Over the past decade, the debate on the microeconomic effects of financial inclusion has intensified, with a growing body of research exploring how access to financial services impacts banks' behaviors. Studying the effect of financial inclusion on bank risk is crucial because it helps...

High and volatile inflation over a long haul is detrimental to an economy, particularly to a country's financial sector. While most studies suggest a positive relationship between inflation and bank profitability, others argue for a negative impact. As such, it is evident that the impact of...

This paper investigates the effects of cost efficiency on non-performing loans (NPLs) in Zim-babwe during dollarisation. The research applies the random effects and bootstrap quantile regression models using the full dollarisation era dataset for 13 banks from 2009 to 2017. The obtained results...

This study focuses on the pandemic phase when the U.S. economy dealt with significant economic recessionary pressures due to widespread, prolonged social mobility restraints. The Federal Open Market Committee (FOMC) promptly pursued expansionary policies, such as lowering the federal funds rate...

Macroprudential policy has gained prominence for promoting financial stability. In this paper, we assess the effectiveness of macroprudential policy in reducing credit growth over a 22-year period across 129 countries. Additionally, we investigate the interaction between macroprudential policy,...

This Study Analyzes the Factors that Explain the Evolution of banks' Nonperforming loan Ratios Worldwide. We use a Sample of 1,631 Entities from 111 Countries Grouped into the Eight Central Regions in the World, with Information Corresponding to the Period 2007-2021. Applying Panel data Methods...

This study aims to investigate the intricate relationship between intellectual capital and asset quality within the context of the Turkish banking sector to determine the optimal level of intellectual capital investment that can enhance the asset quality of deposit banks. The study relies on...

The availability of bank loans is a vital component in determining the investment and spending patterns that influence economic growth. This article examines the threshold effect of loan growth on non-performing loans (NPLs) in the Zimbabwean banking industry during dollarization. The study...

One of the most important steps towards a greener economy is assessing the path through which climate risks are internalized in to bank portfolios. Aligned with literature on market risks and credit risks emanating from climate risk exposure, this paper sought to assess the feedback effect...

The research investigates the determinants of private banks profitability in Egypt. The determinants are bank specific (liquidity, capital adequacy, bank size, asset structure, credit risk, and non-performing loans), industry-specific (industry concentration and banking industry development),...

Research background: The rapid expansion in recent fintech innovations has garnered researchers' attention to evaluate its influence on the banking industry. Purpose: In this quest, the current study conducts an interaction analysis to measure the impact of the fintech era on Indian banking...

Purpose: This study investigates the impact of control of corruption (COC) on nonperforming loans (NPLs) in South Asian countries. Methodology: The present study selected three South Asian countries (Pakistan, India, and Bangladesh) from 2000 to 2019. Further, the current research employed the...

By utilizing US commercial banking sector data from 1981 to 2022, I examine the relationship between organizational capital and bank risk-taking in the context of Non-Performing Loans. I find that greater investment in organizational capital is associated with a higher share of Non-Performing...

This work empirically evaluates the level of technical efficiency of Brazilian banks considering the volume of non-performing loans (NPLs) and their determinants. We made this in a two-stage analysis. In the first stage, the results suggest that for the type of ownership, foreign banks were more...

We build a business cycle model characterized by endogenous firm dynamics, where banks may prefer debt renegotiation, i.e. non-performing exposures, to outright borrowers' default. Debt renegotiations per se do not have adverse effects in the event of financial crisis episodes, but a large share...

This study aim to analyze the effect of corporate governance, bank capital reserve, and non performing loan on bank risk taking which listed in Indonesia Stock Exchange from 2009 to 2016. The corporate governance represent management decision making and bank management policy related to risk and...

This paper investigates the correlation between banking sector non-performing loans and the level of sustainable development. The findings reveal a significant positive correlation between banking sector non-performing loans and the level of sustainable development measured by the sustainable...

Non-performing loans in the Albanian banking system is becoming one of key concerns for banks, particularly after the breakout of the last global financial & economic crises of 2008. The crises effects, twinned with other specific factors of Albania’s economic structure, could be identified as...

The non-performing loan scenario of Bangladeshi banking industry is above average than the average rate of NPL in the world and the world average rate of NPL is about 3 or 4 per cent where the NPL rate in Bangladesh is about to 12% or which is about more than treble than the world rate. The most...

India is facing a growing problem of non-performing assets (NPA) which is dangerous as it is a symptom of an ailing banking sector which in-turn affects the economy of India as well.Assets which generate income are called performing assets and but those do not generate income are called...

We use a panel data set of large listed European banks to evaluate the effect of the usage of internal ratings-based (IRB) models on bank opacity. We find that a more intensive implementation of these models is associated with lower absolute forecast error and disagreement among analysts about...

In this paper, a method was proposed for pricing NPL portfolios, which is currently a crucial point in the portfolio transactions between the banks and NPL servicers. The method was based on a simple mathematical model which simulated the collection process of the NPL portfolios considering the...

The COVID-19 crisis combined with the global repercussions from the Russian invasion of Ukraine exacerbated the stress on financial systems around the world. More than 150 countries introduced policy measures to support the financial sector amid the COVID-19 pandemic. Such measures included debt...

We put our hypothesis very straightforward, considering the euro area and the whole European Economic and Monetary Union (EMU) banking sector. The paper's central hypothesis that capital adequacy of the EMU banking sector influenced credit growth and activities in the nonfinancial sector was...