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|a The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations
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|a Non-performing loans in the Albanian banking system is becoming one of key concerns for banks, particularly after the breakout of the last global financial & economic crises of 2008. The crises effects, twinned with other specific factors of Albania’s economic structure, could be identified as the main causes of increasing NPL’s.The paper identifies the most specific causes, as those of coming from global and local financial crises, like: lack of economic growth, declining remittances, unpaid and deferred government obligations to businesses, and furthermore, loan-making pattern applied by the Albanian banking system, before and after the financial crisis. The upswing trend of NPLs in the banking system is triggering an increasing amount of banks’ loan loss provisions banks, a diminishing regulatory capital, thus reducing banks’ lending capability to the economy. We come to the conclusion that such actual situation is becoming a certain vicious circle.The paper analyses the loan-making approach & practices of Albania’s banking system, during the last decade, and provides recommendations on improving lending practices, procedures, and especially NPLs’ resolution, portfolio diversification and aggregating risk within tolerable and manageable limits
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Non-performing loans in the Albanian banking system is becoming one of key concerns for banks, particularly after the breakout of the last global financial & economic crises of 2008. The crises effects, twinned with other specific factors of Albania’s economic structure, could be identified as the main causes of increasing NPL’s.The paper identifies the most specific causes, as those of coming from global and local financial crises, like: lack of economic growth, declining remittances, unpaid and deferred government obligations to businesses, and furthermore, loan-making pattern applied by the Albanian banking system, before and after the financial crisis. The upswing trend of NPLs in the banking system is triggering an increasing amount of banks’ loan loss provisions banks, a diminishing regulatory capital, thus reducing banks’ lending capability to the economy. We come to the conclusion that such actual situation is becoming a certain vicious circle.The paper analyses the loan-making approach & practices of Albania’s banking system, during the last decade, and provides recommendations on improving lending practices, procedures, and especially NPLs’ resolution, portfolio diversification and aggregating risk within tolerable and manageable limits |
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Non-Performing Loans (NPL), Banking Crisis, Financial Crisis, NPL's Resolution |
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In: CORPORATE ALBANIA - International Conference - Book of Proceedings - 2012, Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments November 23, 2012 erstellt |
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Nazaj, Sofika VerfasserIn aut, The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations, [S.l.] SSRN 2023, 1 Online-Ressource (11 p), Text txt rdacontent, Computermedien c rdamedia, Online-Ressource cr rdacarrier, In: CORPORATE ALBANIA - International Conference - Book of Proceedings - 2012, Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments November 23, 2012 erstellt, Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 unrestricted online access, Non-performing loans in the Albanian banking system is becoming one of key concerns for banks, particularly after the breakout of the last global financial & economic crises of 2008. The crises effects, twinned with other specific factors of Albania’s economic structure, could be identified as the main causes of increasing NPL’s.The paper identifies the most specific causes, as those of coming from global and local financial crises, like: lack of economic growth, declining remittances, unpaid and deferred government obligations to businesses, and furthermore, loan-making pattern applied by the Albanian banking system, before and after the financial crisis. The upswing trend of NPLs in the banking system is triggering an increasing amount of banks’ loan loss provisions banks, a diminishing regulatory capital, thus reducing banks’ lending capability to the economy. We come to the conclusion that such actual situation is becoming a certain vicious circle.The paper analyses the loan-making approach & practices of Albania’s banking system, during the last decade, and provides recommendations on improving lending practices, procedures, and especially NPLs’ resolution, portfolio diversification and aggregating risk within tolerable and manageable limits, Non-Performing Loans (NPL) Banking Crisis Financial Crisis NPL's Resolution, Meka, Elvin S. VerfasserIn aut, https://ssrn.com/abstract=4351154 X:ELVSSRN Verlag kostenfrei, https://doi.org/10.2139/ssrn.4351154 X:ELVSSRN Resolving-System kostenfrei, https://doi.org/10.2139/ssrn.4351154 LFER, https://ssrn.com/abstract=4351154 LFER, LFER epn:4333928893 2023-06-13T08:56:48Z |
| spellingShingle |
Nazaj, Sofika, Meka, Elvin S., The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations, Non-performing loans in the Albanian banking system is becoming one of key concerns for banks, particularly after the breakout of the last global financial & economic crises of 2008. The crises effects, twinned with other specific factors of Albania’s economic structure, could be identified as the main causes of increasing NPL’s.The paper identifies the most specific causes, as those of coming from global and local financial crises, like: lack of economic growth, declining remittances, unpaid and deferred government obligations to businesses, and furthermore, loan-making pattern applied by the Albanian banking system, before and after the financial crisis. The upswing trend of NPLs in the banking system is triggering an increasing amount of banks’ loan loss provisions banks, a diminishing regulatory capital, thus reducing banks’ lending capability to the economy. We come to the conclusion that such actual situation is becoming a certain vicious circle.The paper analyses the loan-making approach & practices of Albania’s banking system, during the last decade, and provides recommendations on improving lending practices, procedures, and especially NPLs’ resolution, portfolio diversification and aggregating risk within tolerable and manageable limits, Non-Performing Loans (NPL), Banking Crisis, Financial Crisis, NPL's Resolution |
| title |
The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations |
| title_auth |
The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations |
| title_full |
The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations |
| title_fullStr |
The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations |
| title_full_unstemmed |
The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations |
| title_short |
The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations |
| title_sort |
the trend of non-performing loans in albania's banking sector - causes - challenges & recommendations |
| title_unstemmed |
The Trend of Non-Performing Loans in Albania's Banking Sector - Causes - Challenges & Recommendations |
| topic |
Non-Performing Loans (NPL), Banking Crisis, Financial Crisis, NPL's Resolution |
| topic_facet |
Non-Performing Loans (NPL), Banking Crisis, Financial Crisis, NPL's Resolution |
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https://ssrn.com/abstract=4351154, https://doi.org/10.2139/ssrn.4351154 |
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