The Impact of Macroeconomic, Social and Governance Factors on the Sustainability and Well-Being of the Economic Environment and the Robustness of the Banking System

The paper highlights the connection between European Union banking system and a set of representative factors—macroeconomic, social, governance factors—selected from perspective sustainability well-being. analysis is carried out as panel regression on EU member countries with annual data for 2005–2018, it explores impact selected factors robustness systems in countries. analyzed variables to reflect were domestic credit private sector nonperforming loans (NPL) rate. Those indicators are high relevance concern within current pandemic context. results show that development degree influences increase private-sector lending decrease NPL Social differently level All macroeconomic used influence lending. research reflects fact promote adopt culture ensure well-being, close collaboration all sectors an economy needed, together strong policy interconnection harmonization micro macro.