Hakimi, Abdelaziz; Saidi, Hichem; Saidi, Soumaya - In: International Journal of Financial Studies : open … 13 (2025) 2, pp. 1-21
fluctuations, which have impacted non-performing loans (NPL) levels. At the same time, over the years, reforms and regulations have …-performing loans by improving oversight and credit decisions. To this end, we used a sample of 70 banks operating in 12 countries in … risk management and reduce non-performing loans. …