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Abdul Aziz Khan Niazi, Suleman Aziz Lodhi, Abdul Basit and Tehmina Fiaz Qazi
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Abdul Aziz Khan Niazi: Institute of Business & Management, University of Engineering and Technology, Lahore and NCBA&E, Lahore, Pakistan:
Suleman Aziz Lodhi: NCBA&E, Lahore, Pakistan:
Abdul Basit: Lahore Institute of Science and Technology, Lahore, Pakistan:
Tehmina Fiaz Qazi: Institute of Business and Management, University of Engineering and Technology, Lahore, Pakistan;

Bulletin of Business and Economics (BBE), 2020, vol. 9, issue 1, 32-50

Abstract: Non-Performing Loans (NPLs) adversely affect financial performance of banks which is a persistent problem of banking. NPLs are time and again built-up in banking sectors and drag economies towards crises. Search for better solutions to problem is high on agenda of research. This study is aimed to provide a better solution to problem of NPLs. It uses analytical conceptual approach of research and addresses issue in knowledge management perspective. Critical review of relevant literature has been conducted with a focus on Tacit Knowledge (TK) sharing. An idea of exploiting potential of TK to control NPLs has been conceived that works through refinement of decision-making processes and results in improvement of recovery and financial performance of banks. A Tacit Knowledge Sharing Model (TKSM) has been developed in this regard. TKSM is modeled on core business of banking that provides a simple way to use TK for controlling risk of likelihood of default.

Keywords: Banks; credit decision; financial performance; economy; default; NPLs; TKSM (search for similar items in EconPapers)
JEL-codes: G21 H81 (search for similar items in EconPapers)
Date: 2020
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