Home truths on Europe’s NPLs
Europe needs to impose more intrusive supervision and greater provisioning on its banks
The issue of non-performing loans (NPLs) in Europe is now receiving the policy attention it deserves – albeit some 10 years since the start of the global financial crisis. Of course, many regulatory efforts during these years are praiseworthy. But it is worrying that NPLs are still a serious problem in a large number of significant banks in Europe, especially as many of these banks show a satisfactory level of regulatory capital in their books. Rather than just looking at bank problems with a
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