Ukraine | 46.8 | Macao | 0.2 |
Greece | 39.4 | South Korea | 0.4 |
Cyprus | 30.5 | Micronesia | 0.4 |
Angola | 17.7 | Hong Kong | 0.7 |
Burundi | 17.7 | Luxembourg | 0.8 |
Iraq | 14.1 | Australia | 0.9 |
Moldova | 13.1 | Norway | 1.0 |
Italy | 12.9 | United Kingdom | 1.0 |
Albania | 12.8 | United States | 1.1 |
Vanuatu | 12.7 | Singapore | 1.2 |
1 | 97.00 | 0.137 | 0.71 |
1 | |||||||||
0.30 | 1 | ||||||||
0.25 | −0.20 | 1 | |||||||
−0.54 | −0.35 | −0.08 | 1 | ||||||
0.33 | 0.02 | 0.14 | 0.08 | 1 | |||||
−0.11 | −0.05 | −0.13 | 0.00 | −0.26 | 1 | ||||
0.27 | 0.41 | −0.11 | −0.47 | −0.04 | −0.02 | 1 | |||
−0.28 | −0.32 | −0.01 | 0.34 | 0.13 | −0.27 | −0.48 | 1 | ||
0.28 | 0.91 | −0.07 | −0.28 | 0.08 | −0.10 | 0.27 | −0.16 | 1 |
NPL | |
ln_NPL | |
INF | |
UN | |
DCTOPS | |
DEBT | |
GDP | |
IR | |
OECD | |
CurDep |
1.3699 | 1.1468 | 1.4102 | 1.1042 | 1.2153 | 1.6610 | 1.5495 | |
1.3278 | 1.1215 | 1.2615 | 1.1038 | 1.1885 | X | 1.3277 | |
1.3531 | 1.1194 | 1.4102 | 1.0576 | X | 1.6245 | 1.3884 | |
1.0817 | 1.3429 | 1.0971 | X | 1.2004 | 1.6100 | 1.4983 | |
1.0280 | 1.1399 | 1.0400 | X | X | X | 1.1428 |
+ | The state of high inflation hinders running a business and reduces the ability of households to settle their liabilities. | ||
− | Unemployment reduces the ability of households to pay their liabilities. | ||
− | A large number of loans means greater availability of financing. In addition, the high value of loans means that banks are mature and can properly assess creditworthiness. | ||
+ | High state debt limits the availability of financing, which contributes to higher loan-servicing costs. | Louzis et al., 2015; |
|
− | Lower GDP growth means limited ability to settle liabilities. | ||
+/− | A high interest rate may limit lending, i.e., only those entities with high creditworthiness receive loans. On the other hand, the high cost of money may make it difficult to settle liabilities. | ||
+ | The depreciation of the domestic currency means an increase in loans in foreign currency. This is important in the case of loans with a significant value in a foreign currency. |
0.1624 | 0.1499 | 0.1690 | n/a | n/a | |
(0.1526) | (0.1783) | (0.1328) | |||
0.0268 |
0.0279 |
0.0277 |
0.0227 | 0.0243 |
|
(0.0258) | (0.0187) | (0.0190) | (0.0520) | (0.0318) | |
−0.0110 |
−0.0106 |
−0.0110 |
−0.0116 |
−0.0114 |
|
(0.0000) | (0.0000) | (0.0000) | (0.0000) | (0.0000) | |
0.0105 |
0.0104 |
0.01071 |
0.0107 |
0.0110 |
|
(0.0000) | (0.0000) | (0.0000) | (0.0000) | (0.0000) | |
−0.1737 | −0.1430 | n/a | −0.2259 | n/a | |
(0.5958) | (0.6577) | (0.4903) | |||
−0.0075 | n/a | −0.0066 | −0.0045 | n/a | |
(0.5274) | (0.5744) | (0.7007) | |||
−0.3360 | −0.2906 | −0.3035 | −0.3856 |
−0.3268 |
|
(0.0789) | (0.0992) | (0.0921) | (0.0419) | (0.0468) | |
0.0000 |
0.0000 |
0.0000 |
0.0000 |
0.0000 |
|
0.7050 | 0.7028 | 0.7024 | 0.7088 | 0.7037 | |
0.3654 | 0.3014 | 0.406 | 0.3185 | 0.2484 | |
0.9114 | 0.8307 | 0.9144 | 0.8789 | 0.8730 | |
0.4922 | 0.4901 | 0.4907 | 0.4814 | 0.4785 | |
0.4559 | 0.4592 | 0.4598 | 0.45 | 0.4578 | |
236.3774 | 234.8116 | 234.6833 | 236.6023 | 233.1925 | |
260.3484 | 256.1191 | 255.9909 | 257.9098 | 249.1731 | |
1.2344 (0.2956) | |||||
0.9841(0.2376) | |||||
3.0718 (0.2153) | |||||
106 | 106 | 106 | 106 | 106 |
2 | |
95 | |
0.0065 |
6.44 | 1.60 | 8.37 | 61.40 | 53.60 | 1.24 | 10.16 | 1.31 | |
46.82 | 6.19 | 31.65 | 236.75 | 194.11 | 2.16 | 54.48 | 8.58 | |
0.20 | 1.00 | 0.71 | 3.23 | 2.58 | 0.79 | 0.52 | 0.76 | |
6.92 | 0.71 | 6.21 | 42.32 | 31.36 | 0.23 | 7.43 | 0.90 | |
3.38 | 3.92 | 1.55 | 1.37 | 1.40 | 0.89 | 2.78 | 6.20 | |
15.23 | 20.04 | 2.09 | 2.38 | 3.28 | 1.54 | 12.94 | 44.56 | |
1.119.70 | 1.868 | 57.70 | 53.63 | 75.08 | 22.27 | 799.40 | 8,610.70 | |
0.0000 | 0.0000 | 0.0000 | 0.0000 | 0.0000 | 0.0000 | 0.0000 | 0.0000 | |
106 | 106 | 106 | 106 | 106 | 106 | 106 | 106 |