Non-performing loans in the Banking Union: stocktaking and challenges
نویسنده
چکیده
This briefing presents the state of play of non-performing loans (NPL) in the euro area, and provides an overview of the various measures implemented across Member States to facilitate their resolution. The first section briefly presents the various levels of NPL ratios and coverage ratios in the euro area, across Member States, sectors, and groups of banks. The second section explains the detrimental impact of NPL on growth. The remaining sections present the various kinds of measures implemented across Member states to address the issue of non-performing loans: transferring NPL to dedicated bad banks, developing a secondary market for NPL, strengthening insolvency frameworks, as well as enhancing supervision and amending tax rules.
منابع مشابه
Factors Affecting the Creation of Non-Performing Loans in the Iranian banking Industry and estimating the Effects of its measurement based on the implementation of IFRS requirements
How to identify, measure and Write-Off of Non-Performing loans under Iranian accounting standards is significantly different from IFRS. The purpose of this study is to identify the factors affecting the creation and increase of Non-Performing loans (NPLs) in the Iranian banking industry and the effects of measuring it through the implementation of IFRS. In this regard, after conducting a System...
متن کاملGlobal Economic Policy Uncertainty (GEPU) and Non-Performing Loans (NPL) in Iran\'s Banking System: Dynamic Correlation using the DCC-GARCH Approach
The aim of this article is to investigate the dynamic correlation between the Global Economic Policy Uncertainty index (GEPU) and Non-Performing Loans (NPL) in Iran. The relationship between economic uncertainty and banking performance indices is significant because of the systemic importance of banks in every economy. We evaluated this relationship in this developing country, especially under ...
متن کاملFinancial Soundness Indicators with Emphasis on Non-performing Loans in Iran’s Banking System
This paper analyzes the financial soundness indicators in Iran`s banking system. In the first part it emphasis on asset quality measure by the non-performing loans ratio. The non-performing loans grew rapidly in last decade in Iran’s banking system and it reached higher than 25 percent of total loans in 2010. We conclude that NPLs increase have impact on real part of economy in the concept...
متن کاملAnalysis of non-performing loans of banks with the regional economic approach: unbalanced panel data method
The high volume of non-performing loans and its trend over time is one of the main problems of banks and central banking in Iran. This high volume of non-current receivables and the destructive effects that this phenomenon has, has made it very important to identify and examine the role of the factors affecting it. In the present study, determinant factors from the Borrower, lender and regional...
متن کاملInvestigating the Assets Quality in Banking System in Iran with Emphasis on Liquidity and Non-Performing Loans Reserve Buffers
In this research, the factors affecting assets quality in banking system of Iran and some implications for creating appropriate buffers of liquidity and non-performing loans in bank assets management has been investigated. In order to that, statistical data related to macroeconomic variables and financial statements of 30 banks from 2006 to 2016 have been used in the framework of a dynamic pane...
متن کامل