Динамика и детерминанти на необслужваните кредити в ЕС и еврозоната в периода 2004 – 2023 г.
Dynamics and Determinants of Non-Performing Loans in the EU and the Euro Area in the Period 2004 – 2023

Author(s): Pavel Tabakov
Subject(s): Economy, Supranational / Global Economy, Business Economy / Management, Financial Markets
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: non-performing loans; banking stability; macroeconomic factors; comparative analysis; credit risk
Summary/Abstract: This report examines the dynamics of non-performing loans in the European Union and the Euro area over the period 2004 – 2023. It defines the concept and assesses its impact on banking stability and economic development. Particular emphasis is placed on key macroeconomic and financial factors, including crises, inflation, exchange rate volatility, and interest rate fluctuations. The empirical section provides a comparative analysis between the EU and the Euro area, aiming to identify common patterns and formulate effective policy measures for credit risk management and enhancing the resilience of the banking sector.

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