Determinants of Non Performing Loans

The link between the Non Performing Loans (NPLs henceforth) and loss of banks, is regarded a fact in literature of banking. Increase in NPLs rate is referred often as the failure of credit policy too. By viewing other side of the picture, it is also evident that financial crisis is also the effect of high NPLs rate in the banking sector. Financial crisis of late 2000s, which started from US and