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Determinants of nonperforming loans after recapitalization in the Nigerian banking industry: Does efficiency matter?
Managerial and Decision Economics ( IF 1.379 ) Pub Date : 2021-03-26 , DOI: 10.1002/mde.3323
Segun Thompson Bolarinwa 1, 2 , Olawale Akinyele 3 , Xuan Vinh Vo 4
Affiliation  

We examine the intertemporal relationship between nonperforming loans, efficiency and bank recapitalization in the Nigerian banking industry between 2011 and 2018. Using system generalized method of moments (SGMM) and stochastic frontier analysis (SFA), we document the importance of bank efficiency for addressing escalating nonperforming loans in the industry after recapitalization policies and the channels pass-through between efficiency and the nonperforming loans-recapitalization nexus. Our results validate the roles of firm-level and macroeconomic variables: bank size, efficiency, profitability, capitalization, economic growth, inflation, and money supply for addressing nonperforming loans. Also, efficiency passes through recapitalization and bank size to address nonperforming loans. We recommend prudential policies for managerial and profit efficiency and lend supports for CBN's new round of recapitalization policy to address escalating nonperforming loans in the industry.

中文翻译:

尼日利亚银行业资本重组后不良贷款的决定因素:效率重要吗?

我们研究了 2011 年至 2018 年尼日利亚银行业不良贷款、效率和银行资本重组之间的跨期关系。使用系统广义矩法 (SGMM) 和随机前沿分析 (SFA),我们记录了银行效率对于解决不断升级的问题的重要性资本重组政策后行业的不良贷款以及效率与不良贷款与资本重组关系之间的传递渠道。我们的结果验证了公司层面和宏观经济变量的作用:银行规模、效率、盈利能力、资本化、经济增长、通货膨胀和货币供应量在解决不良贷款方面的作用。此外,效率通过资本重组和银行规模来解决不良贷款。
更新日期:2021-03-26
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