Publicação

Impacto dos non-profit loans na performance bancária da União Europeia

Ver documento

Detalhes bibliográficos
Resumo:The main aim of this Dissertation is to identify and analyze the impact of non-performing loans on the profitability of the banking sector in the European Union. For this purpose, a sample of 14 bank holding companies located within the EU perimeter was selected. The period analyzed is between 2010 and 2022, which began in the first new economic cycle after the Global Financial Crisis. To perform this critical analysis, (i) specific indicators of banking activity, (ii) macroeconomic factors to capture the impact of the respective economies and (iii) the stability of the European banking sector in general were analyzed. These variables were analyzed using a panel data model. This research indicates that of the banking factors analyzed, gross loans granted, bank deposits, and non-performing loans contribute negatively to bank profitability. Of the macroeconomic variables, only the unemployment rate has a negative influence on ROAA (Return on Assets). At the same time, GDP growth and the banking sector's stability (measured by an index) contribute positively to bank profitability.
Autores principais:Amaral, Catarina Frade
Assunto:Non-performing loans European banking sector Microeconomic/Macroeconomic factors Bank performance Empréstimos não-produtivos Setor bancário europeu Fatores microeconómicos Macroeconómicos Performance bancária
Ano:2024
País:Portugal
Tipo de documento:dissertação de mestrado
Tipo de acesso:acesso aberto
Instituição associada:ISCTE
Idioma:inglês
Origem:Repositório ISCTE

Registos relacionados

Registos relacionados