This paper investigates the determinants of non-performing loans in the Armenian banking sector during the period 2004-2016. The study is motivated by the hypothesis that both macroeconomic and regional-specific variables have an effect on loan quality. The study uses macroeconomic and regional specific factors to identify the determinants of NPLs of Armenian banks. To our best knowledge this study is the first to analyse the detriments of both national and foreign currency NPLs on regional level. I analyze NPLs in national currency and foreign currency, the results suggest NPLs in national currency are more driven by macroeconomic factors than NPLs in foreign currency. The analysis includes fundamental determinants of the NPL, such as GDP, wages, interest rate, housing price, return on assets, loan loss. The results suggest that the NPL is sensitive to interest rate in national currency and unemployment in almost all samples. I find statistically significant effects of wage increases on NPLs in OLS and FE models. The impact of the financial crisis is incorporated into the model by using a financial crisis dummy, the crisis dummy variable takes the value one for years 2008, 2014, while is zero for years 2004-2016. I used GMM dynamic panel data methods in order to estimate the effect of regional economic determinants of non-performing loans. After the application of the method of panel data we found the problem loans very negatively with the growth rate of GDP, the profitability of banks' assets (ROA) and positively with the unemployment rate, house prices.

This paper aims to survey the existing literature on the relationship between banking and space. Location selection is one of the most important decision-making processes which requires to consider several criteria based on the mission and the strategy. Banks have similar problems as industrial and commercial enterprises. Analyses about the best locations especially for individual, entrepreneur, corporate and commercial bank branches is an important topic for banks. This study proposes a literature on decision support methodology to identify the criteria and their importance in selecting the best places to locate different types of bank branches.

Over the past decade, the credit quality of loan portfolios across most countries in the world remained relatively stable until the financial crises hit the global economy in 2007–2008. In this paper I discuss, the relationship between non-performing loans and economic landscape. Since 2008, nonperforming loans have been an increasingly hot topic in the international scene, due to their important and rising volume and their impact on the economy as a whole, on the banking system and on its credit supply. Since then, average bank asset quality deteriorated sharply due to the global economic recession. Yet the deterioration of loan performance was very uneven across countries. I am interested in explaining these differences in bank asset quality across countries and over time. In this paper, I therefore study the empirical determinants of non-performing loan (NPL) ratios using a data set for EU countries covering the past decade. The paper assumes that the spatial organization of banking systems and the geographical distribution of comercial banks branches, ATMs and GDP growth are major factors influencing the effectiveness in credit system. The aim of this paper is to construct a continuous and quantifiable model, which will demonstrate a role of economic condition, technology, competition, policy, business climate in Financial Stability. Main hypotheses suggests, that GDP growth, interest rate, new business, FDI, ATMs and geographical distribution of branches have an influences on NPL (non-performing loans).

Official bank statistics arrive too slowly to warn policymakers before credit stress builds up, especially in small economies like Malta. This paper shows that everyday Google searches around banking, payments, and job security reveal rising loan distress in near real time, ahead of official data. A synthetic comparison economy built from similar Eurozone peers also uncovers a puzzling gap in Malta's loan quality after 2022, tied to rising interest rates and lingering pandemic effects, offering regulators a practical early-warning tool.

Greenspan’s book does not quite reach either, in trying to reach two audiences. Economists can learn a lot from it, but they will recognize that many of the arguments would have trouble passing scrutiny in peer-reviewed journals. Many other readers will buy the book, but few will finish it. It’s perfect for placing on your coffee table to establish your erudition. Those who do finish the book will be amply rewarded.

The decision of where to make your home has become a pivotal choice in our lives, and Richard Florida's "Who's Your City?" stands as the ultimate compass for making that decision wisely. This book is a valuable resource not only for those contemplating a move to shape a brighter future but also for anyone curious about the pros and cons of different cities. Florida's book isn't just a good read; it's an enlightening journey into the significance of location in determining a city's and a society's competitive edge. Within its pages, you'll uncover eye-opening facts that dispel the myths of an overly optimistic and increasingly globalized world, making it a must-read for the curious and the forward-thinkers alike.