This study aims to examine factors influencing non-performing loans in commercial banks in developed and developing countries. By comparing the determinants in different financial systems, the research will provide insights into the unique challenges faced by each. Understanding these factors can help policymakers and banks mitigate risks, improve loan portfolios, and strengthen the overall financial stability of the banking sector.

Table of Contents

Chapter 1: Introduction

• 1.1 Background of the Study
• 1.2 Statement of the Problem
• 1.3 Objectives of the Study
• 1.3.1 General Objective
• 1.3.2 Specific Objectives
• 1.4 Research Questions
• 1.5 Significance of the Study
• 1.6 Research Scope and Delimitation
• 1.6.1 Geographical Scope
• 1.6.2 Conceptual Scope
• 1.6.3 Time Scope
• 1.7 Structure of the Study

Chapter 2: Literature Review

• 2.1 Conceptual Framework
• 2.1.1 Definition of Non-Performing Loans
• 2.1.2 Classification of Non-Performing Loans
• 2.1.3 Overview of Commercial Banking Activities
• 2.2 Theoretical Framework
• 2.2.1 Adverse Selection Theory
• 2.2.2 Moral Hazard Theory
• 2.2.3 Credit Risk Theory
• 2.3 Empirical Evidence
• 2.3.1 Determinants of Non-Performing Loans in Developed Countries
• 2.3.2 Determinants of Non-Performing Loans in Developing Countries
• 2.3.3 Comparative Studies on Non-Performing Loans
• 2.4 Research Gap
• 2.5 Conceptual Model

Chapter 3: Research Methodology

• 3.1 Research Design
• 3.2 Study Population and Sampling
• 3.2.1 Target Population
• 3.2.2 Sampling Techniques
• 3.2.3 Sample Size
• 3.3 Data Collection Methods
• 3.3.1 Primary Data Collection
• 3.3.2 Secondary Data Collection
• 3.4 Measurement Variables
• 3.5 Data Analysis Techniques
• 3.6 Validity and Reliability of Research Instruments
• 3.7 Ethical Considerations

Chapter 4: Findings and Analysis

• 4.1 Socioeconomic and Banking Sector Context
• 4.1.1 Overview of Developed Countries
• 4.1.2 Overview of Developing Countries
• 4.2 Determinants of Non-Performing Loans
• 4.2.1 Internal Banking Factors
• 4.2.1.1 Credit Policies and Practices
• 4.2.1.2 Loan Monitoring Systems
• 4.2.2 External Economic and Market Factors
• 4.2.2.1 Macroeconomic Indicators
• 4.2.2.2 Regulatory Environment
• 4.3 Comparative Analysis of Determinants
• 4.3.1 Developed Countries
• 4.3.2 Developing Countries
• 4.3.3 Cross-Country Analysis
• 4.4 Key Trends and Patterns

Chapter 5: Conclusions and Recommendations

• 5.1 Summary of Findings
• 5.1.1 Key Determinants of Non-Performing Loans
• 5.1.2 Comparative Insights Between Developed and Developing Countries
• 5.2 Policy Implications
• 5.2.1 Recommendations for Commercial Banks
• 5.2.2 Recommendations for Policymakers
• 5.3 Contributions to Research
• 5.4 Limitations of the Study
• 5.5 Suggestions for Future Research

Project Overview: Determinants of Non-Performing Loans in Commercial Banks

Thesis Title:

Determinants of Non-Performing Loans in Commercial Banks: A Comparative Study of Developed and Developing Countries

Introduction:

Non-performing loans (NPLs) are a critical issue in the banking sector, impacting financial stability and economic growth. This study aims to identify the key determinants of NPLs in commercial banks and compare these determinants between developed and developing countries. Understanding the factors that contribute to NPLs is essential for policymakers and regulators to implement effective strategies to mitigate their adverse impacts.

Research Objectives:

1. To analyze the trends and levels of non-performing loans in commercial banks in developed and developing countries.
2. To identify the key determinants of non-performing loans in commercial banks.
3. To compare the determinants of non-performing loans between developed and developing countries.
4. To assess the impact of macroeconomic variables on non-performing loans in commercial banks.

Methodology:

This study will use a mixed-methods approach, combining quantitative analysis of financial data with qualitative analysis of regulatory frameworks and policies. The quantitative analysis will involve regression analysis to identify the significant determinants of non-performing loans. The qualitative analysis will include a comparative study of regulatory practices in developed and developing countries.

Significance of the Study:

The findings of this study will provide valuable insights into the factors driving non-performing loans in commercial banks and contribute to the existing literature on banking risk management. By comparing the determinants of NPLs between developed and developing countries, this study will offer recommendations for policymakers to improve banking sector stability and enhance financial inclusion.

Expected Outcomes:

1. Identification of the key determinants of non-performing loans in commercial banks.
2. Comparison of NPL determinants between developed and developing countries.
3. Recommendations for policymakers and regulators to address the challenges of non-performing loans in commercial banks.
4. Contribution to the academic literature on banking risk management and financial stability.

Conclusion:

The study on determinants of non-performing loans in commercial banks is crucial for understanding the factors that contribute to financial instability and economic downturns. By comparing these determinants between developed and developing countries, this research aims to provide insights that can help policymakers in crafting effective strategies to mitigate the risks associated with NPLs and improve the overall health of the banking sector.

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