Abstract:
It is globally accepted that the failure of the banks and the economic crises in an evolved or evolving economies are associated with the growth in Non Pardoning Loans. As a matter of facts the previous existing studies have provided proof that the financial crises are due to the rapid increase in the levels of NPLs. When the financial vulnerability is checked the main importance is given to the levels onfalls. ln Pakistan, each year the non performing loans are increasing at a disturbing rate therefore the main goal of this study is to investigate the efficiency and impotence o f bank specific variables as determinants of PLs. The cullet study uses nine years panel data from the period of 20 I 1-20 19 of eighteen banks the data was gathered from Pakistani banking sector to examine the s significance of ten bank specific hypo thesis. The findings of this study wi ll be used by commercial banks to make progress for the current riming management performance, be in command of the levels of providing advances as in contrast to predictable non performing loans along with wide lending throughout the boom period to diminish the levels of nonperfom1ing loans.
