Macroeconomic and bank specific covariates of Non-Performing Loans (NPLs) in Pakistani Commercial Banks: panel data evidence / Bilal Mehmood, Zahid Irshad Younas, Nisar Ahmed.
Non-performing loans has become an important part of commercial banking of a country. This paper empirically tests the macroeconomic and bank-specific covariates of non-performing loans for a panel of 13 commercial banks for period of 2003-2012. Using fixed effects with Driscoll and Kraay standard e...
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| Main Authors: | , , |
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| Format: | Book |
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Universiti Teknologi Mara Selangor,
2013-09.
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| Summary: | Non-performing loans has become an important part of commercial banking of a country. This paper empirically tests the macroeconomic and bank-specific covariates of non-performing loans for a panel of 13 commercial banks for period of 2003-2012. Using fixed effects with Driscoll and Kraay standard errors, the influence of macroeconomic and bank-specific covariates is found meaningful. Recommendations include the policy steps to complement the sound financial system with a healthy macroeconomic environment to reduce non-performing loans in commercial banks in Pakistan. Moreover, need is highlighted for a policy approach with emphasis on the apposite credit culture and lending policy designed with pertinent economic and financial factors. |
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| Item Description: | https://ir.uitm.edu.my/id/eprint/32768/1/32768.pdf |