During the financial crisis in Asian countries such as Thailand, macro-economic aggregates were used to portray the health or state of the impacted economy. Negative GDP growth was taken to indicate a fall in household welfare, for example. Initially high interest rate policies to encourage foreign (re)investment and subsequent expansionary monetary and fiscal policies were the result. On top o...

Over the last few decades, Malaysia has experienced a large number of nonperforming loans, which is accompanied by significant deterioration in banking system. The problem also arises when Malaysia’s economy been attacked sudden crises, literally distracts characteristics. Therefore, this study conducted to investigate impact bank characteristics and unexpected crises on loans commercial banks....

Lending remains one of the major functions of banks in all economies. In fact, interest charged on loans and advances today constitute a sizeable part of banks’ earnings. However, the possibility of failure of loans creates nightmares for not only the borrower and lender, but also poses a serious setback to the economy. This paper identifies non-performing credit as a major threat to the profit...

This article aimed to assess credit risk and lending patterns in the Nigerian banking sector. It collected secondary data yearly time series from 2007 2020 analyze nonperforming loans, liquid reserves asset ratio, capital-to-asset domestic credit, exchange rate their effects on rate. The constructed analyzed model was estimated via least square technique achieve its goals. findings of this rese...

Sub-Saharan African countries are facing an unprecedented health and economic crisis that is likely to severely hurt credit quality raise non-performing loans from already high levels. Banks have a critical role play not only during the by providing temporarily relief businesses households, but also recovery supporting activity facilitating structural transformations engaged pandemic.

Abstract Chinese banks likely have more nonperforming loans (NPLs) than officially reported. Banks’ NPLs often deviate from Benford's law. As hidden earn no interest income, loan quality problems may erode the gross income of banks. Using stochastic frontier analysis, we estimate a hypothetical profit-maximizing bank with credit problems. Taking deviation actual calculated efficient then attemp...

Loan portfolio problems have historically been the major cause of bank losses because of inherent risk of possible loan losses (credit risk). The study of Bank Loan Fraud Detection and IT-Based Combat Strategies in Nigeria which focused on analyzing the loan assessment system was carried out purposely to overcome the challenges of high incidence of NonPerforming Loan (NPL) that are currently be...