Speaker
Description
This study develops a conceptual framework to evaluate the emergence of non-performing loans (NPLs) in Malaysian banks in the aftermath of the pandemic and financial crises. The research examines the impact of macroeconomic indicators, including unemployment rates, GDP, lending interest rates, inflation rates, and exchange rates, on the banking system's stability. A particular focus is placed on the consequences of the COVID-19 epidemic and the Global Financial Crisis to assess their influence on NPLS patterns. The findings indicate that governmental interventions and crisis management techniques, such as moratoriums and financial assistance, have been instrumental in alleviating the potential increase of NPLs. This paradigm provides a thorough knowledge of the interplay between macroeconomic fluctuations and crises, offering essential insights for policymakers and financial institutions to maintain banking sector resilience.
