Non-performing loan determinants and impact of COVID-19 : case of Bosnia and Herzegovina

The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regr...
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Autor*in:	Žunić, Amila [verfasserIn] Kozarić, Kemal [verfasserIn] Žunić Dželihodžić, Emina [verfasserIn]

Format:	E-Artikel
Sprache:	Englisch

Erschienen:	2021

Rechteinformationen:	Open Access Namensnennung - Nicht kommerziell - Keine Bearbeitungen 4.0 International ; CC BY-NC-ND 4.0

Schlagwörter:	NPLs GDP COVID-19 loan loss provision

Übergeordnetes Werk:	Enthalten in: Journal of central banking theory and practice - Warsaw : De Gruyter Open, 2012, 10(2021), 3 vom: Sept., Seite 5-22
Übergeordnetes Werk:	volume:10 ; year:2021 ; number:3 ; month:09 ; pages:5-22

Links:	Link aufrufen Link aufrufen Link aufrufen

DOI / URN:	10.2478/jcbtp-2021-0021

Katalog-ID:	1775650634

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allfields	10.2478/jcbtp-2021-0021 doi 10419/299019 hdl (DE-627)1775650634 (DE-599)KXP1775650634 DE-627 ger DE-627 rda eng G00 G21 jelc Žunić, Amila verfasserin aut Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina Amila Žunić, Kemal Kozarić, Emina Žunić Dželihodžić 2021 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans. DE-206 Namensnennung - Nicht kommerziell - Keine Bearbeitungen 4.0 International CC BY-NC-ND 4.0 cc https://creativecommons.org/licenses/by-nc-nd/4.0/ NPLs (dpeaa)DE-206 GDP (dpeaa)DE-206 COVID-19 (dpeaa)DE-206 loan loss provision (dpeaa)DE-206 Kozarić, Kemal verfasserin aut Žunić Dželihodžić, Emina verfasserin (DE-588)1341767612 (DE-627)1902455452 aut Enthalten in Journal of central banking theory and practice Warsaw : De Gruyter Open, 2012 10(2021), 3 vom: Sept., Seite 5-22 Online-Ressource (DE-627)721934412 (DE-600)2675850-7 (DE-576)36975459X 2336-9205 nnns volume:10 year:2021 number:3 month:09 pages:5-22 https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1 Verlag kostenfrei https://doi.org/10.2478/jcbtp-2021-0021 Resolving-System kostenfrei https://hdl.handle.net/10419/299019 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2050 GBV_ILN_2111 GBV_ILN_2129 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 10 2021 3 9 5-22 26 01 0206 3997035954 x1z 28-10-21 2403 01 DE-LFER 400138020X 00 --%%-- --%%-- n --%%-- l01 10-11-21 2403 01 DE-LFER https://doi.org/10.2478/jcbtp-2021-0021 2403 01 DE-LFER https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1
spelling	10.2478/jcbtp-2021-0021 doi 10419/299019 hdl (DE-627)1775650634 (DE-599)KXP1775650634 DE-627 ger DE-627 rda eng G00 G21 jelc Žunić, Amila verfasserin aut Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina Amila Žunić, Kemal Kozarić, Emina Žunić Dželihodžić 2021 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans. DE-206 Namensnennung - Nicht kommerziell - Keine Bearbeitungen 4.0 International CC BY-NC-ND 4.0 cc https://creativecommons.org/licenses/by-nc-nd/4.0/ NPLs (dpeaa)DE-206 GDP (dpeaa)DE-206 COVID-19 (dpeaa)DE-206 loan loss provision (dpeaa)DE-206 Kozarić, Kemal verfasserin aut Žunić Dželihodžić, Emina verfasserin (DE-588)1341767612 (DE-627)1902455452 aut Enthalten in Journal of central banking theory and practice Warsaw : De Gruyter Open, 2012 10(2021), 3 vom: Sept., Seite 5-22 Online-Ressource (DE-627)721934412 (DE-600)2675850-7 (DE-576)36975459X 2336-9205 nnns volume:10 year:2021 number:3 month:09 pages:5-22 https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1 Verlag kostenfrei https://doi.org/10.2478/jcbtp-2021-0021 Resolving-System kostenfrei https://hdl.handle.net/10419/299019 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2050 GBV_ILN_2111 GBV_ILN_2129 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 10 2021 3 9 5-22 26 01 0206 3997035954 x1z 28-10-21 2403 01 DE-LFER 400138020X 00 --%%-- --%%-- n --%%-- l01 10-11-21 2403 01 DE-LFER https://doi.org/10.2478/jcbtp-2021-0021 2403 01 DE-LFER https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1
allfields_unstemmed	10.2478/jcbtp-2021-0021 doi 10419/299019 hdl (DE-627)1775650634 (DE-599)KXP1775650634 DE-627 ger DE-627 rda eng G00 G21 jelc Žunić, Amila verfasserin aut Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina Amila Žunić, Kemal Kozarić, Emina Žunić Dželihodžić 2021 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans. DE-206 Namensnennung - Nicht kommerziell - Keine Bearbeitungen 4.0 International CC BY-NC-ND 4.0 cc https://creativecommons.org/licenses/by-nc-nd/4.0/ NPLs (dpeaa)DE-206 GDP (dpeaa)DE-206 COVID-19 (dpeaa)DE-206 loan loss provision (dpeaa)DE-206 Kozarić, Kemal verfasserin aut Žunić Dželihodžić, Emina verfasserin (DE-588)1341767612 (DE-627)1902455452 aut Enthalten in Journal of central banking theory and practice Warsaw : De Gruyter Open, 2012 10(2021), 3 vom: Sept., Seite 5-22 Online-Ressource (DE-627)721934412 (DE-600)2675850-7 (DE-576)36975459X 2336-9205 nnns volume:10 year:2021 number:3 month:09 pages:5-22 https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1 Verlag kostenfrei https://doi.org/10.2478/jcbtp-2021-0021 Resolving-System kostenfrei https://hdl.handle.net/10419/299019 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2050 GBV_ILN_2111 GBV_ILN_2129 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 10 2021 3 9 5-22 26 01 0206 3997035954 x1z 28-10-21 2403 01 DE-LFER 400138020X 00 --%%-- --%%-- n --%%-- l01 10-11-21 2403 01 DE-LFER https://doi.org/10.2478/jcbtp-2021-0021 2403 01 DE-LFER https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1
allfieldsGer	10.2478/jcbtp-2021-0021 doi 10419/299019 hdl (DE-627)1775650634 (DE-599)KXP1775650634 DE-627 ger DE-627 rda eng G00 G21 jelc Žunić, Amila verfasserin aut Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina Amila Žunić, Kemal Kozarić, Emina Žunić Dželihodžić 2021 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans. DE-206 Namensnennung - Nicht kommerziell - Keine Bearbeitungen 4.0 International CC BY-NC-ND 4.0 cc https://creativecommons.org/licenses/by-nc-nd/4.0/ NPLs (dpeaa)DE-206 GDP (dpeaa)DE-206 COVID-19 (dpeaa)DE-206 loan loss provision (dpeaa)DE-206 Kozarić, Kemal verfasserin aut Žunić Dželihodžić, Emina verfasserin (DE-588)1341767612 (DE-627)1902455452 aut Enthalten in Journal of central banking theory and practice Warsaw : De Gruyter Open, 2012 10(2021), 3 vom: Sept., Seite 5-22 Online-Ressource (DE-627)721934412 (DE-600)2675850-7 (DE-576)36975459X 2336-9205 nnns volume:10 year:2021 number:3 month:09 pages:5-22 https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1 Verlag kostenfrei https://doi.org/10.2478/jcbtp-2021-0021 Resolving-System kostenfrei https://hdl.handle.net/10419/299019 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2050 GBV_ILN_2111 GBV_ILN_2129 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 10 2021 3 9 5-22 26 01 0206 3997035954 x1z 28-10-21 2403 01 DE-LFER 400138020X 00 --%%-- --%%-- n --%%-- l01 10-11-21 2403 01 DE-LFER https://doi.org/10.2478/jcbtp-2021-0021 2403 01 DE-LFER https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1
allfieldsSound	10.2478/jcbtp-2021-0021 doi 10419/299019 hdl (DE-627)1775650634 (DE-599)KXP1775650634 DE-627 ger DE-627 rda eng G00 G21 jelc Žunić, Amila verfasserin aut Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina Amila Žunić, Kemal Kozarić, Emina Žunić Dželihodžić 2021 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier DE-206 Open Access Controlled Vocabulary for Access Rights http://purl.org/coar/access_right/c_abf2 The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans. DE-206 Namensnennung - Nicht kommerziell - Keine Bearbeitungen 4.0 International CC BY-NC-ND 4.0 cc https://creativecommons.org/licenses/by-nc-nd/4.0/ NPLs (dpeaa)DE-206 GDP (dpeaa)DE-206 COVID-19 (dpeaa)DE-206 loan loss provision (dpeaa)DE-206 Kozarić, Kemal verfasserin aut Žunić Dželihodžić, Emina verfasserin (DE-588)1341767612 (DE-627)1902455452 aut Enthalten in Journal of central banking theory and practice Warsaw : De Gruyter Open, 2012 10(2021), 3 vom: Sept., Seite 5-22 Online-Ressource (DE-627)721934412 (DE-600)2675850-7 (DE-576)36975459X 2336-9205 nnns volume:10 year:2021 number:3 month:09 pages:5-22 https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1 Verlag kostenfrei https://doi.org/10.2478/jcbtp-2021-0021 Resolving-System kostenfrei https://hdl.handle.net/10419/299019 Resolving-System kostenfrei GBV_USEFLAG_U GBV_ILN_26 ISIL_DE-206 SYSFLAG_1 GBV_KXP GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2050 GBV_ILN_2111 GBV_ILN_2129 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 GBV_ILN_2403 GBV_ILN_2403 ISIL_DE-LFER AR 10 2021 3 9 5-22 26 01 0206 3997035954 x1z 28-10-21 2403 01 DE-LFER 400138020X 00 --%%-- --%%-- n --%%-- l01 10-11-21 2403 01 DE-LFER https://doi.org/10.2478/jcbtp-2021-0021 2403 01 DE-LFER https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1
language	English
source	Enthalten in Journal of central banking theory and practice 10(2021), 3 vom: Sept., Seite 5-22 volume:10 year:2021 number:3 month:09 pages:5-22
sourceStr	Enthalten in Journal of central banking theory and practice 10(2021), 3 vom: Sept., Seite 5-22 volume:10 year:2021 number:3 month:09 pages:5-22
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topic_facet	NPLs GDP COVID-19 loan loss provision
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authorswithroles_txt_mv	Žunić, Amila @@aut@@ Kozarić, Kemal @@aut@@ Žunić Dželihodžić, Emina @@aut@@
publishDateDaySort_date	2021-09-01T00:00:00Z
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topic_title	G00 G21 jelc Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina Amila Žunić, Kemal Kozarić, Emina Žunić Dželihodžić NPLs (dpeaa)DE-206 GDP (dpeaa)DE-206 COVID-19 (dpeaa)DE-206 loan loss provision (dpeaa)DE-206
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title	Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina
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title_full	Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina Amila Žunić, Kemal Kozarić, Emina Žunić Dželihodžić
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title_sort	non-performing loan determinants and impact of covid-19case of bosnia and herzegovina
title_auth	Non-performing loan determinants and impact of COVID-19 case of Bosnia and Herzegovina
abstract	The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans.
abstractGer	The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans.
abstract_unstemmed	The aim of this paper is to investigate the determinants of the movement of non-performing loans in the banking sector of Bosnia and Herzegovina, as well as the impact of the COVID-19 pandemic on them. For this purpose, secondary data from the banking sector of BiH were used, over which a multi-regression analysis was performed. The variables non-performing loans, GDP, loan loss provision, and dummy variable COVID-19 were used in the analysis. The results of the analysis showed a significant influence of all three mentioned variables. The existence of a significant positive link between non-performing loans and the state of the country's economy has been proven. In addition to the above, it has been proven that the variable COVID-19 has a delayed effect on NPLs, due to the current application of the moratorium on loans.
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title_short	Non-performing loan determinants and impact of COVID-19
url	https://sciendo.com/article/10.2478/jcbtp-2021-0021#pane-1 https://doi.org/10.2478/jcbtp-2021-0021 https://hdl.handle.net/10419/299019
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