We examine whether countries that have high levels of financial inclusion fewer non-performing loans and loan loss provisions in their banking sectors. The fixed effect panel regression methodology was used to analyse the on bank provisions. Using data from 48 countries, we find greater formal account ownership is associated with loans. Bank are only when achieved through combined use ownership...

China has accelerated its banking sector reform in recent years, paying particular attention to non-performing loans (NPLs). The paper’s scope is analyse the relationship between NPLs and macroeconomic variables using quarterly data from 2008/Q1 2021/Q1 applying wavelet analysis, which allows study scan both short- long-term causal relationships connections. analysis produces interesting result...

Objective – This paper investigates the effect of board composition on non-performing loans (NPLs) for a sample 31 commercial banks in Tanzania.Design/methodology A quantitative study methodology was employed using annual data covering period 2011-2020. The authors used one-step generalised method moments (GMM) approach to estimate percentage growth NPLs Tanzania.Results concludes that number m...

The rising trend of Non-Performing Loans (NPLs) in the banking sector Bangladesh epitomises a common phenomena loan default that mostly arises from unwillingness to repay tendency borrowers who usually fit into defined higher class society. An appropriate governance and control framework can effectively this growing NPLs, supplemented by culture. In view setting, paper looks for impact audit co...

Financial statements of nineteen mature banks have been patronized to examine the impact of macroeconomic indicators and bank-specific determinants on the NPLs ratio through Quantile and Panel Data regression approaches. The impact of macroeconomic indicators on credit risk is statistically estimated for banking network via two directions. First, different quantiles are econometrically calculat...

Consumer credit is a lucrative but risky business. In order to control risk and maximize profits, commercial banks around the world have made great efforts to develop various analytic models to identify potential default loan applicants. This is also critically important to China, as the non-performing individual loans of Chinese commercial banks have been fast growing because of the myopic bus...