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Analysis of NPL in the Republic of Serbia and Selected Countries of South-Western Balkans
Vera Zelenovic, Jelena Vitomir; Milan Radovic
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DOI:10.17265/1548-6591/2016.07.002
University of Novi Sad, Novi Sad, Serbia; Nova Banka AD Banja Luka, Banja Luka, Bosnia and Herzegovina
The research problem addressed in this paper is whether the entry of an economy in crisis leads to the growth of percentage share of non-performing loans in total loans of the banking sector, as well as whether in this case the corporate sector and the retail sector are equally risky in terms of loans. The goal of this paper, on the basis of the analysis of non-performing loans in the banking systems of the Republic of Serbia and selected countries of South-Western Balkans, as well as their comparison, is to determine the existence of a causal link among the decline in economic activity, unemployment, and growth of non-performing loans, due to the fact that the bad loan portfolio is one of the most important factors of instability of banks and of the banking system as a whole, and as such, it produces negative effects on the overall economic activity of the country. Concluding observations are given below.
bank, non-performing loans, banking systems, economy
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