Published January 23, 2024 | Version v1
Journal article Open

ON THE RATIO OF NON-PERFORMING LOANS TO AVERAGE LOAN RATES IN CONSIDERING THE ISSUE OF BANKING RISKS

  • 1. Department of Finances, Banking and Insurance of Economic faculty V. N. Karazin Kharkiv National University, Ukraine
  • 2. Deputy Director of the Educational and Scientific Institute «Karazin Banking Institute», Department of Banking Business and Financial Technologies, Educational and Scientific Institute «Karazin Banking Institute» V.N. Karazin Kharkiv National University, Ukraine
  • 3. Department of Media Systems and Technology, Kharkiv National University of Radio Electronics, Ukraine

Description

Banking activities are of constant interest from researchers and practitioners. The basis of this interest is the role and importance of banks in the economic activities of various economic agents and the life of the population. At the same time, special attention is paid to banking risks, where we highlight credit risks. Based on this, the paper examines the dynamics of the ratio of non-performing loans to loan rates on average on the banking system for a number of individual countries. Graphs and diagrams of such analysis are provided, which allows you to understand the progress of this study.

Files

271-281 Yuliia K JUSR JURNAL.pdf

Files (960.1 kB)

Name Size Download all
md5:9a27300bf4615bcbd5b56ec98595ea29
960.1 kB Preview Download

Additional details

References

  • 1. Dell'Ariccia, G., & Marquez, R. (2006). Lending booms and lending standards. The journal of finance, 61(5), 2511-2546.
  • 2. Bolton, P., Freixas, X., Gambacorta, L., & Mistrulli, P. E. (2016). Relationship and transaction lending in a crisis. The Review of Financial Studies, 29(10), 2643-2676.
  • 3. Vasyurenko, O., & et al.. (2014). Efficiency of lending to natural persons and legal entities by banks of Ukraine: methodology of stochastic frontier analysis. Herald of the National Bank of Ukraine. 1, 5-11.
  • 4. Lyashenko, V. (2014). Efficiency of bank crediting of real sector of economy in the context of separate banking groups: an empirical example from Ukraine. International Journal of Accounting and Economics Studies, 2(2), 74-79.
  • 5. Kots, G. P., & Lyashenko, V. (2012). Banking sectors of the economies of European countries in the representation of statistical interrelation between indices that characterize their development. European Applied Sciences, 1, 461-465.
  • 6. Dobrovolskaya, I., & Lyashenko, V. (2013). Interrelations of banking sectors of European economies as reflected in separate indicators of the dynamics of their cash flows influencing the formation of the resource potential of banks. European Applied Sciences, 1-2, 114-118.
  • 7. Angeloni, I. (2021). Non-Performing Loans: An Old Problem in a New Situation 31. European Economy, (1), 107-118.
  • 8. Bacchiocchi, A., Bischi, G. I., & Giombini, G. (2022). Non-performing loans, expectations and banking stability: A dynamic model. Chaos, Solitons & Fractals, 157, 111906.
  • 9. Ляшенко В. В. (2007). Интерпретация и анализ статистических данных, описывающих процессы экономической динамики. Бизнес Информ, 9(2), 108-113.
  • 10. Kuzemin, A., & Lyashenko, V. (2009). Methods of comparative analysis of banks functioning: classic and new approaches. Information Theories & Applications, 16(4), 384-396.