Abstract
Today, one of the major problems of banks and financial/credit institutions is outstanding and deferred loans. Non-performing loans decrease financial ability of banks to grant new loans and the bank's profitability and increase collection costs and the other
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Abstract
Today, one of the major problems of banks and financial/credit institutions is outstanding and deferred loans. Non-performing loans decrease financial ability of banks to grant new loans and the bank's profitability and increase collection costs and the other hand it adverse effects on the banking and financial sectors, and the wider dimensions, on the people through the financial and monetary crises. Due to the loss of the entire banking system and the economy through this, it will be necessary to address this important issue. Therefore, in addition to consider the previous studies that considered the endogenous and exogenous factors affecting the Non-Performing Loans (NPLs) ratio, the effect of GDP growth and inflation variables as macroeconomic variables to show the impact of macroeconomic conditions on banks Non-Performing Loans (NPLs)ratio, was considered. Also management quality, size, and moral hazard as the banking system specific factors were used.
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