Non Performing Loans In Cesee

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Non Performing Loans In Cesee

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Author : Nir Klein
language : en
Publisher: International Monetary Fund
Release Date : 2013-03-20

Non Performing Loans In Cesee written by Nir Klein and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-03-20 with Business & Economics categories.

The paper investigates the non-performing loans (NPLs) in Central, Eastern and South-Eastern Europe (CESEE) in the period of 1998–2011. The paper finds that the level of NPLs can be attributed to both macroeconomic conditions and banks’ specific factors, though the latter set of factors was found to have a relatively low explanatory power. The examination of the feedback effects broadly confirms the strong macro-financial linkages in the region. While NPLs were found to respond to macroeconomic conditions, such as GDP growth, unemployment, and inflation, the analysis also indicates that there are strong feedback effects from the banking system to the real economy, thus suggesting that the high NPLs that many CESEE countries currently face adversely affect the pace economic recovery.

Corporate Npl Portfolios In Cesee Countries

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Author : Jože P. Damijan
language : en
Publisher:
Release Date : 2018

Corporate Npl Portfolios In Cesee Countries written by Jože P. Damijan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with categories.

Private growth and investment in most of central, eastern and south-eastern Europe (CESEE) is still hampered by persistent financial distress in the corporate sector, resulting from the excessive debt taken on before the 2008 crisis. This paper looks at how this excess leverage affects firm performance in these countries. Apart from the negative impact of a firm's own financial distress on employment and investment, we find that the most indebted companies negatively affect other firms too, and that these effects worsen during the financial crisis and are more severe for small and medium-sized firms. Therefore, resolving the issue of corporate non-performing loans can have far more widespread benefits than previously believed, with SMEs as the main beneficiaries.

Nonperforming Loans In Asia And Europe Causes Impacts And Resolution Strategies

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Author : Asian Development Bank
language : en
Publisher: Asian Development Bank
Release Date : 2021-12-01

Nonperforming Loans In Asia And Europe Causes Impacts And Resolution Strategies written by Asian Development Bank and has been published by Asian Development Bank this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-01 with Business & Economics categories.

High and persistent levels of nonperforming loans (NPLs) have featured prominently in recent financial crises. This book traces NPL trends during and after crises, examines the economic impact of high NPLs, and compares the effectiveness of NPL resolution strategies across economies in Asia and Europe. The book distills important lessons from the experiences of economies using case studies and empirical investigation of ways to resolve NPLs. These findings can be invaluable in charting a course through the financial and economic fallout of the coronavirus disease (COVID-19) pandemic to recovery and sustained financial stability in Asia, Europe, and beyond.

Cesee Bank Lending Survey

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Author :
language : en
Publisher:
Release Date : 2020

Cesee Bank Lending Survey written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.

International banking group strategies and commitment to the CESEE region: Banking group strategies are tilted towards expansion or stability in the CESEE region. This is also supported by the profitability (return on assets - RoA) of CESEE operations. Banking groups' medium-term market assessment in terms of their potenatial and positioning does not show any sigfincant deterioration compared to the pre-COVID-19 period. Overall, banking groups report a generalised stability stance in their loan-to-deposit (LTD) ratios and group-level access to funding conditions continued to be easy. Nonetheless, COVID-19 has brought about a deceleration in activities to increase capital. CESEE subsidiaries and local banks report a decrease in demand for credit and they have tightened supply conditions over the past six months. Demand contracted for the first time over the past five years. Investment became a contractionary element whilst working capital needs continue to play a positive contributing role. Consumer confidence fell, hitting non-housing-related consumption, which led to a contraction in demand for credit. Credit standards tightened across the board, including on SME lending. Collateral requirements tightened significantly across the board. Many domestic and international factors tightened supply conditions over the past six months, including market and bank outlook and non-performing loans (NPLs) at the local level. Global market outlook, group funding and, to a lesser extent, group NPLs started playing a constraining role. Changes in the domestic regulatory environment played an easing role for the first time. Access to funding has continued to ease in the CESEE region over the past six months. NPL ratios deteriorated, albeit less than anticipated in the Spring 2020 survey wave. This trend is expected to continue over the next six months in both corporate and retail segments. Policy response to the COVID-19 shock: Regulatory and policy measures have played a supportive role to lending activity and public guarantee schemes have been effective so far, whilst central banks' long-term liquidity provisions have also helped to some degree. Flexibility on treatment of NPLs, relaxation of liquidity ratios, various forms of capital relief measures and adjustments of risk weights were deemed supportive. Moratoria on loans: Many countries and banks have implemented moratoria measures, with total outstanding loan portfolio coverage between 0% and 20% for roughly 50% of banks and between 20% and 60-70% for the other reporting banks. Digitalisation processes in response to COVID-19: Banks have sped up their propensity to digitalise, notably in terms of client outreach and in the area of risk management.

A Strategy For Resolving Europe S Problem Loans

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Author : Mr.Shekhar Aiyar
language : en
Publisher: International Monetary Fund
Release Date : 2015-09-24

A Strategy For Resolving Europe S Problem Loans written by Mr.Shekhar Aiyar and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-09-24 with Business & Economics categories.

Europe’s banking system is weighed down by high levels of non-performing loans (NPLs), which are holding down credit growth and economic activity. This discussion note uses a new survey of European country authorities and banks to examine the structural obstacles that discourage banks from addressing their problem loans. A three pillared strategy is advocated to remedy the situation, comprising: (i) tightened supervisory policies, (ii) insolvency reforms, and (iii) the development of distressed debt markets.

Financial Soundness Indicators

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Author : International Monetary Fund
language : en
Publisher: International Monetary Fund
Release Date : 2006-04-04

Financial Soundness Indicators written by International Monetary Fund and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-04-04 with Business & Economics categories.

Financial Soundness Indicators (FSIs) are measures that indicate the current financial health and soundness of a country's financial institutions, and their corporate and household counterparts. FSIs include both aggregated individual institution data and indicators that are representative of the markets in which the financial institutions operate. FSIs are calculated and disseminated for the purpose of supporting macroprudential analysis--the assessment and surveillance of the strengths and vulnerabilities of financial systems--with a view to strengthening financial stability and limiting the likelihood of financial crises. Financial Soundness Indicators: Compilation Guide is intended to give guidance on the concepts, sources, and compilation and dissemination techniques underlying FSIs; to encourage the use and cross-country comparison of these data; and, thereby, to support national and international surveillance of financial systems.

Bank Asset Quality In Emerging Markets

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Author : Mr.Reinout De Bock
language : en
Publisher: International Monetary Fund
Release Date : 2012-03-01

Bank Asset Quality In Emerging Markets written by Mr.Reinout De Bock and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-03-01 with Business & Economics categories.

This paper assesses the vulnerability of emerging markets and their banks to aggregate shocks. We find significant links between banks' asset quality, credit and macroeconomic aggregates. Lower economic growth, an exchange rate depreciation, weaker terms of trade and a fall in debt-creating capital inflows reduce credit growth while loan quality deteriorates. Particularly noteworthy is the sharp deterioration of balance sheets following a reversal of portfolio inflows. We also find evidence of feedback effects from the financial sector on the wider economy. GDP growth falls after shocks that drive non-performing loans higher or generate a contraction in credit. This analysis was used in chapter 1 of the Global Financial Stability Report (September 2011) to help evaluate the sensitivity of banks' capital adequacy ratios to macroeconomic and funding cost shocks.

Profitability And Balance Sheet Repair Of Italian Banks

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Author : Andreas Jobst
language : en
Publisher: International Monetary Fund
Release Date : 2016-08-19

Profitability And Balance Sheet Repair Of Italian Banks written by Andreas Jobst and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-08-19 with Business & Economics categories.

The profitability of Italian banks depends, among other factors, on the strength of the ongoing economic recovery, the stance of monetary policy, and the beneficial effects of current and past reforms, notably to address structural obstacles to resolving nonperforming loans (NPLs) and to foster banking sector consolidation. Improved profitability would enable banks to raise capital buffers and accelerate the cleanup of their balance sheets. This paper investigates quantitatively the current and prospective earnings capacity of Italian banks. A bottom-up analysis of the 15 largest Italian banks suggests that the system is on the whole profitable, but that there is significant heterogeneity across banks. Many banks should become more profitable as the economy recovers, but their capacity to lend depends on the size of their capital buffers. However, a number of smaller banks face profitability pressures, even under favorable assumptions. There is thus a need to push ahead decisively on cleaning up balance sheets, including through cost cutting and efficiency gains.

Hungary

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Author : International Monetary Fund
language : en
Publisher: International Monetary Fund
Release Date : 2013-03-29

Hungary written by International Monetary Fund and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-03-29 with Business & Economics categories.

Non-performing loans (NPLs) were found to respond to macroeconomic conditions, such as GDP growth, unemployment, and inflation; there are also strong feedback effects from the banking system to the real economy. This suggests that the high NPLs that many CESEE countries currently face adversely affect the pace of economic recovery. The note also evaluates different policy options to achieve permanent fiscal consolidation in Hungary. A fiscal consolidation based on a reduction in government transfers can stimulate labor participation, and a resulting increase in the returns to capital can increase investment and output in the long term.

Hungary

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Author : Nir Klein
language : en
Publisher:
Release Date : 2013

Hungary written by Nir Klein and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Bank loans categories.

Non-performing loans (NPLs) were found to respond to macroeconomic conditions, such as GDP growth, unemployment, and inflation; there are also strong feedback effects from the banking system to the real economy. This suggests that the high NPLs that many CESEE countries currently face adversely affect the pace of economic recovery. The note also evaluates different policy options to achieve permanent fiscal consolidation in Hungary. A fiscal consolidation based on a reduction in government transfers can stimulate labor participation, and a resulting increase in the returns to capital can increase investment and output in the long term.