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Source: Literature review Table 1: Summary of the macroeconomic and bank specific variables

Table 1 Source: Literature review Table 1: Summary of the macroeconomic and bank specific variables

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Figure 2 presents NPLs trends for bank Ownership category in kenyan banking idustry from 1995 to 2009. From Figure 2, trend lines for NPL performance in bank ownership categories depicts that government banks had the highest NPLs trend, followed by locally owned banks, while foreign owned banks depicted lowest levels of NPLs over the years. The period between 1999 and 2001 depict highest NPLs level in all banks ownership categories followed by downwards trend to 2005. Government banks showed a sharp increase for NPLs between 2005 and 2007compared with their foreign banks counterparts, while local banks maintained stedy downwards trend. This scenario is similar to observations made in bank sizes analysis as depicted in Figure 2. This may be a confirmation that political upheavals influence NPLs occurrence.
Figure 2 presents NPLs trends for bank Ownership category in kenyan banking idustry from 1995 to 2009. From Figure 2, trend lines for NPL performance in bank ownership categories depicts that government banks had the highest NPLs trend, followed by locally owned banks, while foreign owned banks depicted lowest levels of NPLs over the years. The period between 1999 and 2001 depict highest NPLs level in all banks ownership categories followed by downwards trend to 2005. Government banks showed a sharp increase for NPLs between 2005 and 2007compared with their foreign banks counterparts, while local banks maintained stedy downwards trend. This scenario is similar to observations made in bank sizes analysis as depicted in Figure 2. This may be a confirmation that political upheavals influence NPLs occurrence.
Table 2: Summary of the bank categories and quality manangement variables
Table 2: Summary of the bank categories and quality manangement variables
Source: Literature review
Source: Literature review
Table 4: Macro and NPLs variables across bank ownership categories model * 1 percent level of significance; ** 5 percent level of significance; * 10 percent level of significance. T-values in brackets.
Table 4: Macro and NPLs variables across bank ownership categories model * 1 percent level of significance; ** 5 percent level of significance; * 10 percent level of significance. T-values in brackets.
*** 1 percent level of significance; ** 5 percent level of significance: * 10 percent level of significance. T-values in brackets. *** 1 percent level of significance; ** 5 percent level of significance; * 10 percent level of significance. T-values in brackets.
*** 1 percent level of significance; ** 5 percent level of significance: * 10 percent level of significance. T-values in brackets. *** 1 percent level of significance; ** 5 percent level of significance; * 10 percent level of significance. T-values in brackets.
*** 1 percent level of significance; ** 5 percent level of significance: * 10 percent level of significance. T-values in brackets. Table 6: Dependent variable: nonperforming loan (NPL)
*** 1 percent level of significance; ** 5 percent level of significance: * 10 percent level of significance. T-values in brackets. Table 6: Dependent variable: nonperforming loan (NPL)
*** 1 percent level of significance; ** 5 percent level of significance; * 10 percent level of significance. T-values in brackets. Table 7: Dependent variable: nonperforming loan (NPL)
*** 1 percent level of significance; ** 5 percent level of significance; * 10 percent level of significance. T-values in brackets. Table 7: Dependent variable: nonperforming loan (NPL)
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BusinessEconomicsMacroeconomic factorsAdvances In Management and Applied Economics
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