Abstract
This study highlights the effect of corporate governance structure and bank externalities on non-performing loans in Nigeria covering the period 2009–2017. This study constructs corporate governanc...
Highlights
The stability of every economy depends on the safety and soundness of its financial institutions
This study examines mainly the influence of corporate governance structure, relative impact of the policy provided by regulators, the bankspecific characteristics and macroeconomic indi cators on non-performing loans
This research further assessed the relative impact of the policy provided by regulators, the bank-specific characteristics and macroeconomic indica tors on non-performing loans
Summary
The stability of every economy depends on the safety and soundness of its financial institutions. The financial institution especially banks in this context serves as an intermediary between the economy’s surplus and deficit players of the economy with positive effects on economic growth and development. The industry as financial intermediary channels the wealth stored by the depositors to the borrowers as a predictable source of loans (Isaac, 2014). A country’s financial stability and sustainable economic development thrive on an efficient flow of investment. Financial institutions face multiple financial risks such as credit risk, interest rate risk and counterparty risks. Many financial institutions focus primarily on a persistent increase in rates of return by employing diverse financial & physical instruments and venture into risky lending exercise without adequate risk assessment impairing financial stability (Zagorchev & Gao, 2016)
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