Non-performing loans (NPL) are a curse to any bank. Identifying key factors, which are external and internal to banks are very important in sustaining and optimizing banking operations. This particular study is aimed to identify the internal and external factors, which are contributing to the rising levels of bad loans in the banking sector. The study follow qualitative research method, exploring the data with content analysis focus discussion and in-depth interviews. The scope of the study include an insight into are economic cycle, changes in Government policies, impact of liberalization on industries, and borrowers’ repayment obligations and its relation with Non-performing loans in a Malaysian Bank.
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