Aug 2026· Ilgʻor iqtisodiyot va pedagogik texnologiyalar· Vol 3, pp. 179-186· 0 citations· 1 references
Abstract
Non-performing loans (NPLs) represent a major challenge to the stability and resilience of banking systems, particularly in emerging economies undergoing financial sector reforms. This study examines the evolution of NPLs and the influence of bank-specific factors in the banking sector of Uzbekistan during 2017–2025. The research employs comparative and descriptive statistical analyses using data obtained from the Central Bank of Uzbekistan to investigate the relationship between NPLs, outstanding loans, capitalization, profitability and real interest rates. The findings indicate that rapid credit expansion, particularly during the Covid-19 pandemic, contributed to a substantial increase in NPLs. The study also finds that diversification and stronger capital positions enhance banks’ resilience to credit risk. Besides that, there is an inverse relationship between real interest rate of domestic currency operations and NPLs, supporting moral hazard The results provide practical implications for strengthening credit risk management, improving loan portfolio quality and supporting financial stability in Uzbekistan’s banking sector.
The stability of commercial banks is essential to economic growth, yet rising non-performing loans (NPLs) continue to threaten the health of the banking sector. This study examined the effect of non-performing loans on the financial stability of thirteen quoted commercial banks in Nigeria over the period 2015–2024. Usi...
Glory Ngozi Chukwu, T. Muritala· The Journal of Innovations· 0 citations
This study examines the determinants of banking risk in People’s Credit Banks (Bank Perkreditan Rakyat/BPR) in North Sumatra, Indonesia. The research aims to analyze the influence of macroeconomic variables on banking risk, proxied by total credit disbursement. The study uses panel data from 53 rural banks during 2015–...
Oktavera Rizki, Helvina Sari, Y. Yusrizal et al.· EKONOMIS Journal of Economic...· 0 citations
This study examines the transformation of banking risks and their impact on the financial stability of Ukraine’s banking system under prolonged systemic shocks. The purpose is to identify the relationships among shock sources, banking risks, transmission channels, indicators of financial materialisation, and shock-abso...
I. Vakhovych, I. Boiarko, Olena Zarutska et al.· Financial and credit activit...· 0 citations
Non-Performing Assets (NPAs) have remained one of the most persistent structural challenges in
Indian banking, with important implications for profitability, capital adequacy, credit growth,
and financial stability. The issue has evolved through a combination of weak credit appraisal,
corporate governance failures, sec...
Deepak Kumar Rana, Vikash Kumar Rana· International Journal of Soc...· 0 citations
The study examined the effect of sectoral credit allocations (agricultural, manufacturing, and
SME) on the liquidity stability of Nigeria’s banking sector, a dimension often overshadowed
by profitability and capital adequacy studies. Using quarterly times series data for a period
of 24 years, (from 2000Q1–2023Q4) obtai...
S. Amana· International Journal of Eco...· 0 citations
This study examines the effects of income diversification on the stability of Vietnamese commercial banks, with particular attention to the roles of credit risk, profitability, and capital adequacy. Using panel data from 406 bank-year observations covering the period 2010–2024, the study employs the two-step system Gen...
Hai Van Tran, Lan Thi Tran· Journal of Risk and Financia...· 0 citations
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