A Strategy For Resolving Europe S Problem Loans

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A Strategy for Resolving Europe's Problem Loans

Mr.Shekhar Aiyar,Mr.Wolfgang Bergthaler,Jose M Garrido,Ms.Anna Ilyina,Andreas Jobst,Mr.Kenneth H Kang,Dmitriy Kovtun,Ms.Yan Liu,Mr.Dermot Monaghan,Ms.Marina Moretti
A Strategy for Resolving Europe s Problem Loans Book PDF

Author : Mr.Shekhar Aiyar,Mr.Wolfgang Bergthaler,Jose M Garrido,Ms.Anna Ilyina,Andreas Jobst,Mr.Kenneth H Kang,Dmitriy Kovtun,Ms.Yan Liu,Mr.Dermot Monaghan,Ms.Marina Moretti
Publisher : International Monetary Fund
Page : 79 pages
File Size : 49,7 Mb
Release : 2015-09-24
Category : Business & Economics
ISBN : 9781513591278

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A Strategy for Resolving Europe's Problem Loans by Mr.Shekhar Aiyar,Mr.Wolfgang Bergthaler,Jose M Garrido,Ms.Anna Ilyina,Andreas Jobst,Mr.Kenneth H Kang,Dmitriy Kovtun,Ms.Yan Liu,Mr.Dermot Monaghan,Ms.Marina Moretti Pdf

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.

Nonperforming Loans in Asia and Europe—Causes, Impacts, and Resolution Strategies

Asian Development Bank
Nonperforming Loans in Asia and Europe Causes Impacts and Resolution Strategies Book PDF

Author : Asian Development Bank
Publisher : Asian Development Bank
Page : 262 pages
File Size : 42,8 Mb
Release : 2021-12-01
Category : Business & Economics
ISBN : 9789292691165

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Nonperforming Loans in Asia and Europe—Causes, Impacts, and Resolution Strategies by Asian Development Bank Pdf

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.

Problem Loans in the Caribbean: Determinants, Impact and Strategies for Resolution

Ms.Kimberly Beaton,Mr.Thomas Dowling,Dmitriy Kovtun,Franz Loyola,Ms.Alla Myrvoda,Mr.Joel Chiedu Okwuokei,Ms.Inci Ötker,Mr.Jarkko Turunen
Problem Loans in the Caribbean Determinants Impact and Strategies for Resolution Book PDF

Author : Ms.Kimberly Beaton,Mr.Thomas Dowling,Dmitriy Kovtun,Franz Loyola,Ms.Alla Myrvoda,Mr.Joel Chiedu Okwuokei,Ms.Inci Ötker,Mr.Jarkko Turunen
Publisher : International Monetary Fund
Page : 54 pages
File Size : 55,5 Mb
Release : 2017-11-07
Category : Business & Economics
ISBN : 9781484327029

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Problem Loans in the Caribbean: Determinants, Impact and Strategies for Resolution by Ms.Kimberly Beaton,Mr.Thomas Dowling,Dmitriy Kovtun,Franz Loyola,Ms.Alla Myrvoda,Mr.Joel Chiedu Okwuokei,Ms.Inci Ötker,Mr.Jarkko Turunen Pdf

The high level of nonperforming loans (NPLs) in the Caribbean has been, in large part, a legacy of the global financial crisis, but their persistence owes much to the weak economic recovery in the region, as well as to structural obstacles to their resolution. A comprehensive strategy is needed to address these impediments to sever the adverse feedback loops between weak economic activity and weak asset quality. This paper finds that NPLs are a drag on Caribbean growth and macro-financial links are strong: a deterioration in asset quality hinders bank lending and dampens economic activity, undermining, in turn, efforts to resolve problem loans. A multifaceted approach is needed, involving a combination of macro- economic policies to support growth and employment; strong supervisory frameworks to ensure macro-financial stability and create incentives for resolution; efforts to address informational gaps and deficiencies in insolvency and debt-enforcement frameworks; and development of markets for distressed loans. The institutional capacity constraints require coordination of reforms within the region and support from international organizations through capacity-building.

Non-Performing Loans and Resolving Private Sector Insolvency

Platon Monokroussos,Christos Gortsos
Non Performing Loans and Resolving Private Sector Insolvency Book PDF

Author : Platon Monokroussos,Christos Gortsos
Publisher : Springer
Page : 438 pages
File Size : 52,9 Mb
Release : 2017-07-26
Category : Business & Economics
ISBN : 9783319503134

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Non-Performing Loans and Resolving Private Sector Insolvency by Platon Monokroussos,Christos Gortsos Pdf

This book explores the issue of private sector over-indebtedness following the recent financial crisis. It addresses the various challenges for policymakers, investors and economic agents affected by applied remedial policies as the private non-financial sector in Europe continues to face increased challenges in servicing its debt, with the problem mainly concentrated in several countries in the EU periphery and Eastern Europe. Chapters from expert contributors address reduced investment as firms concentrate on deleveraging and repairing their balance sheets, curtailed consumer spending, depressed collateral values and weak credit creation. They examine effective policies to facilitate private sector debt restructuring which may involve significant upfront costs in terms of time to implement and committed budgetary resources, as well as necessary reforms required to improve the broader institutional framework and judicial capacity. The book also explores the issue of over indebtedness in the household sector, contributing to the literature in establishing best practice principles for household debt.

Resolving Nonperforming Loans in Sub-Saharan Africa in the Aftermath of the COVID-19 Crisis

Luc Eyraud,Irina Bunda,Jehann Jack,Mr. Tarak Jardak,Rasmane Ouedraogo (Economist),Zhangrui Wang,Torsten Wezel
Resolving Nonperforming Loans in Sub Saharan Africa in the Aftermath of the COVID 19 Crisis Book PDF

Author : Luc Eyraud,Irina Bunda,Jehann Jack,Mr. Tarak Jardak,Rasmane Ouedraogo (Economist),Zhangrui Wang,Torsten Wezel
Publisher : International Monetary Fund
Page : 85 pages
File Size : 51,6 Mb
Release : 2021-06-08
Category : Business & Economics
ISBN : 9781513576510

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Resolving Nonperforming Loans in Sub-Saharan Africa in the Aftermath of the COVID-19 Crisis by Luc Eyraud,Irina Bunda,Jehann Jack,Mr. Tarak Jardak,Rasmane Ouedraogo (Economist),Zhangrui Wang,Torsten Wezel Pdf

Sub-Saharan African countries are facing an unprecedented health and economic crisis that is likely to severely hurt credit quality and raise non-performing loans from already high levels. Banks have a critical role to play not only during the crisis by providing temporarily relief to businesses and households, but also during the recovery by supporting economic activity and facilitating the structural transformations engaged by the pandemic.

A Strategy for Developing a Market for Nonperforming Loans in Italy

Nadège Jassaud,Mr.Kenneth Kang
A Strategy for Developing a Market for Nonperforming Loans in Italy Book PDF

Author : Nadège Jassaud,Mr.Kenneth Kang
Publisher : International Monetary Fund
Page : 31 pages
File Size : 40,7 Mb
Release : 2015-02-06
Category : Business & Economics
ISBN : 9781498337984

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A Strategy for Developing a Market for Nonperforming Loans in Italy by Nadège Jassaud,Mr.Kenneth Kang Pdf

Addressing the buildup of nonperforming loans (NPLs) in Italy since the global financial crisis will remain a challenge for some time and be important for supporting a sustained, robust economic recovery. The buildup reflects both the prolonged recession as well as structural factors that have held back NPL write-offs by banks. The paper discusses the impediments to NPL resolution in Italy and a strategy for fostering a market for restructuring distressed assets that could support corporate and financial restructuring.

How to Assess the Benefits of Nonperforming Loan Disposal in Sub-Saharan Africa Using a Simple Analytical Framework

Irina Bunda,Luc Eyraud,Zhangrui Wang
How to Assess the Benefits of Nonperforming Loan Disposal in Sub Saharan Africa Using a Simple Analytical Framework Book PDF

Author : Irina Bunda,Luc Eyraud,Zhangrui Wang
Publisher : International Monetary Fund
Page : 23 pages
File Size : 44,6 Mb
Release : 2021-06-08
Category : Business & Economics
ISBN : 9781513583099

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How to Assess the Benefits of Nonperforming Loan Disposal in Sub-Saharan Africa Using a Simple Analytical Framework by Irina Bunda,Luc Eyraud,Zhangrui Wang Pdf

The coronavirus (COVID-19) crisis, which has hit financial systems across Africa, is likely to deteriorate banks’ balance sheets. The largest threat to banks pertains to their loan portfolios, since many borrowers have faced a sharp collapse in their income, and therefore have difficulty repaying their obligations as they come due. This could lead to a sharp increase in nonperforming loans (NPLs) in the short to medium term.

Cleaning-up Bank Balance Sheets

José Garrido,Emanuel Kopp,Anke Weber
Cleaning up Bank Balance Sheets Book PDF

Author : José Garrido,Emanuel Kopp,Anke Weber
Publisher : International Monetary Fund
Page : 33 pages
File Size : 50,6 Mb
Release : 2016-09-08
Category : Business & Economics
ISBN : 9781475535167

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Cleaning-up Bank Balance Sheets by José Garrido,Emanuel Kopp,Anke Weber Pdf

To stabilize and bring down nonperforming loans (NPLs) in the Italian banking system, the Italian authorities have been implementing a number of reforms, aimed among others at speeding up insolvency and enforcement proceedings, strengthening bank corporate governance, cleaning up balance sheets, and facilitating bank consolidation. This paper examines the Italian banking system’s NPL problem, which ties up capital, weighing on bank profitability and authorities’ economic reforms. It argues for a comprehensive approach, encompassing economic, supervisory, and legal measures. The authorities’ reforms are important steps toward this end. The paper describes measures that could further support their actions.

Resolving China’s Corporate Debt Problem

Wojciech Maliszewski,Mr.Serkan Arslanalp,Mr.John C Caparusso,José Garrido,Mr.Si Guo,Mr.Joong S Kang,W. Raphael Lam,Daniel Law,Wei Liao,Ms.Nadia Rendak,Mr.Philippe Wingender,Jiangyan Yu,Ms.Longmei Zhang
Resolving China s Corporate Debt Problem Book PDF

Author : Wojciech Maliszewski,Mr.Serkan Arslanalp,Mr.John C Caparusso,José Garrido,Mr.Si Guo,Mr.Joong S Kang,W. Raphael Lam,Daniel Law,Wei Liao,Ms.Nadia Rendak,Mr.Philippe Wingender,Jiangyan Yu,Ms.Longmei Zhang
Publisher : International Monetary Fund
Page : 43 pages
File Size : 53,7 Mb
Release : 2016-10-14
Category : Business & Economics
ISBN : 9781475545289

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Resolving China’s Corporate Debt Problem by Wojciech Maliszewski,Mr.Serkan Arslanalp,Mr.John C Caparusso,José Garrido,Mr.Si Guo,Mr.Joong S Kang,W. Raphael Lam,Daniel Law,Wei Liao,Ms.Nadia Rendak,Mr.Philippe Wingender,Jiangyan Yu,Ms.Longmei Zhang Pdf

Corporate credit growth in China has been excessive in recent years. This credit boom is related to the large increase in investment after the Global Financial Crisis. Investment efficiency has fallen and the financial performance of corporates has deteriorated steadily, affecting asset quality in financial institutions. The corporate debt problem should be addressed urgently with a comprehensive strategy. Key elements should include identifying companies in financial difficulties, proactively recognizing losses in the financial system, burden sharing, corporate restructuring and governance reform, hardening budget constraints, and facilitating market entry. A proactive strategy would trade off short-term economic pain for larger longer-term gain.

Managing Systemic Banking Crises

Ms.Marina Moretti,Mr.Marc C Dobler,Mr.Alvaro Piris Chavarri
Managing Systemic Banking Crises Book PDF

Author : Ms.Marina Moretti,Mr.Marc C Dobler,Mr.Alvaro Piris Chavarri
Publisher : International Monetary Fund
Page : 88 pages
File Size : 51,7 Mb
Release : 2020-02-11
Category : Business & Economics
ISBN : 9781513512273

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Managing Systemic Banking Crises by Ms.Marina Moretti,Mr.Marc C Dobler,Mr.Alvaro Piris Chavarri Pdf

This paper updates the IMF’s work on general principles, strategies, and techniques from an operational perspective in preparing for and managing systemic banking crises in light of the experiences and challenges faced during and since the global financial crisis. It summarizes IMF advice concerning these areas from staff of the IMF Monetary and Capital Markets Department (MCM), drawing on Executive Board Papers, IMF staff publications, and country documents (including program documents and technical assistance reports). Unless stated otherwise, the guidance is generally applicable across the IMF membership.

Financial Soundness Indicators

International Monetary Fund
Financial Soundness Indicators Book PDF

Author : International Monetary Fund
Publisher : International Monetary Fund
Page : 302 pages
File Size : 40,9 Mb
Release : 2006-04-04
Category : Business & Economics
ISBN : 9781589063853

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Financial Soundness Indicators by International Monetary Fund Pdf

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.

The Japanese Banking Crisis of the 1990's

Mr.Akihiro Kanaya,Mr.David Woo
The Japanese Banking Crisis of the 1990 s Book PDF

Author : Mr.Akihiro Kanaya,Mr.David Woo
Publisher : International Monetary Fund
Page : 48 pages
File Size : 45,9 Mb
Release : 2000-01-01
Category : Business & Economics
ISBN : 9781451842401

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The Japanese Banking Crisis of the 1990's by Mr.Akihiro Kanaya,Mr.David Woo Pdf

For a large part of the past decade, Japan has witnessed a steady deterioration in the health of its banking system. This paper examines what went wrong and why it has taken so long for the system to recover. While the paper traces the roots of the crisis to accelerated deregulation and deepening of capital markets without an appropriate adjustment in the regulatory framework, it identifies weak corporate governance and regulatory forbearance as the two factors behind what might have been an unnecessary prolongation of the distress of the financial system.

Legal Solutions to Debt Problems

Council of Europe. Committee of Ministers
Legal Solutions to Debt Problems Book PDF

Author : Council of Europe. Committee of Ministers
Publisher : Council of Europe
Page : 24 pages
File Size : 50,8 Mb
Release : 2008-01-01
Category : Political Science
ISBN : 9287163545

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Legal Solutions to Debt Problems by Council of Europe. Committee of Ministers Pdf

The Council of Europe Committee of Ministers' Recommendation Rec(2007)8 on legal solutions to debt problems is the first international legal instrument that estabishes a set of legal principles in order to assist national legislators in introducing or reinforcing laws and policies in this field. The recommendation covers three main areas: prevention of over-indebtedness of individuals and families, alleviation of the effects of debt recovery in order to avoid social exclusion and rehabilitation of over-indebted individuals with due regard to their human dignity.

Nonperforming Loans in Sub-Saharan Africa

Hippolyte Fofack
Nonperforming Loans in Sub Saharan Africa Book PDF

Author : Hippolyte Fofack
Publisher : World Bank Publications
Page : 36 pages
File Size : 40,8 Mb
Release : 2005
Category : Banks and banking
ISBN : 9780051110170

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Nonperforming Loans in Sub-Saharan Africa by Hippolyte Fofack Pdf

"This paper investigates the leading causes of nonperforming loans during the economic and banking crises that affected a large number of countries in Sub-Saharan Africa in the 1990s. Empirical analysis shows a dramatic increase in these loans and extremely high credit risk, with significant differences between the CFA and non-CFA countries, and substantially higher financial costs for the latter sub-panel of countries. The results also highlight a strong causality between these loans and economic growth, real exchange rate appreciation, the real interest rate, net interest margins, and interbank loans consistent with the causality and econometric analysis, which reveal the significance of macroeconomic and microeconomic factors. The dramatic increase in these loans is largely driven by macroeconomic volatility and reflects the vulnerability of undiversified African economies, which remain heavily exposed to external shocks. Simulated results show that macroeconomic stability and economic growth are associated with a declining level of nonperforming loans; whereas adverse macroeconomic shocks coupled with higher cost of capital and lower interest margins are associated with a rising scope of nonperforming loans. These results are supported by long-term estimates of nonperforming loans derived from pseudo panel-based prediction models. "--World Bank web site.

The Palgrave Handbook of European Banking Union Law

Mario P. Chiti,Vittorio Santoro
The Palgrave Handbook of European Banking Union Law Book PDF

Author : Mario P. Chiti,Vittorio Santoro
Publisher : Springer
Page : 434 pages
File Size : 49,6 Mb
Release : 2019-05-16
Category : Business & Economics
ISBN : 9783030134754

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The Palgrave Handbook of European Banking Union Law by Mario P. Chiti,Vittorio Santoro Pdf

This handbook analyses the European Banking Union legal framework focusing on legislative acts (regulations and directives), case law and the resolution procedures. In addition, it will pay attention to the division of responsibilities between the ECB and the national authorities, with special attention to the Single Supervisory Mechanism (SSM) and the Single Resolution Mechanism (SRM). To give a more complete picture, the book will also cover the implementation of European Deposit Insurance Scheme (so called third pillar) still under construction, and appeal to academics, researchers and students of banking and financial law.