Description: Bank soundness indicators including level of non-performing loans and Capital adequacy ratio
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DATA IDENTIFICATION


Name
Non-Performing Loans (Net of Specific Provisions) to Total Gross Loans
Indicator purpose

The purpose of this indicator is to serve as a core component of the financial soundness indicators.

Abstract

The Net NPL Ratio is intended to identify problems with asset quality in the loan portfolio, with an increasing ratio signalling a deterioration in the quality of banks’ credit portfolio not covered by specific provisions.

Data source

Central Bank of Belize (CBB)

DATA CHARACTERISTICS



Contact organization person

Central Bank of Belize (CBB)

Date last updated
23-MAR-2020
Periodicity

Annual

Unit of measure

Percentage (%)

Other characteristics

The Non-Performing Loans (Net of Provisions) to Total Loans Ratio can be disaggregated from the overall banking system to the individual banks.

DATA CONCEPTS and CLASSIFICATIONS



Classification used

N/A

Disaggregation

N/A

Key statistical concepts
-
Formula
-
OTHER ASPECTS



Recommended uses

This indicator shows a trend in the quality of the domestic banks' credit portfolio over time.

Limitations

NPLs are identified only when problems emerge, so this ratio is a lagging indicator. It is an aggregated ratio for all Domestic banks in Belize. As such, it might not cover the financial soundness of more vulnerable individual domestic banks in the system.

Other comments

Data is provided to the Central Bank of Belize from the domestic banking Institutions.