Abstract Based on bank level data from the euro area, I investigate role of non-performing loans (NPLs) for lending rates newly granted loans. The focus is an effect caused by stock NPLs that extends beyond losses banks have already incorporated into their reported capital positions. paper assesses channels through which such occurs. results indicate a higher associated with rates. This relatio...

This study explores the possibility of a lag in transmission credit channeling and non-performing loans to economic growth Indonesia. The autoregressive distributed (ARDL) model was applied yearly data from 2003 2020 endogenous constraint (EC) used as dynamic indicator non-performance on growth. shows that Indonesia is positively significantly affected by years t-1 t-3; meanwhile, current year ...