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Essays on institutional environment and banking

Publication Date
December 11, 2025
Creator
Abstract
This thesis comprises three distinct yet interrelated and essential studies that examine the relationship between the institutional environment and banking practices on a global scale. First, it explores the impact of judicial system inefficiencies on non-performing loans (NPLs) among banks within the European Union. Second, it investigates how various dimensions of country governance influence the effectiveness of banking supervision and regulation in mitigating earnings opacity across countries. Third, it assesses the role of culture -an informal institutional factor -in shaping managerial behaviour in banks worldwide. The findings from these studies offer timely and policy-relevant insights for both banking institutions and regulatory authorities, while also opening avenues for future research. This thesis contributes to the broader literature on institutional determinants of banking stability and transparency by providing empirical evidence that enhancements in formal institutional structures -such as judicial efficiency and governance quality -can improve bank stability, particularly through reductions in NPLs and greater transparency in financial reporting. Moreover, the analysis underscores the importance of incorporating cultural considerations into regulatory and supervisory frameworks, suggesting that effective policy design and implementation must account for the informal institutional context in which banks operate in order to promote financial efficiency and stability.
Item Type
ethesis
Thesis Type
PhD
Supervisors
Keywords

Banking

Institutional Environ...

Judicial Inefficiency...

Country Governance

Individualism

Banking Regulations

Culture

Subjects (LC)

HG Finance

Associated Schools / Departments
Nottingham University Business School (UK)
eprints ID
81629
UoN Repository URI
Except where otherwise noted, this item's license is described as
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Nawaz, Md. Asif, 14296101, corrections.pdf

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Full-text

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Examined. Nawaz, Md. Asif, 14296101, corrections
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Review_Report_of_Examiners'_Feedback_14296101.pdf

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Examined. Review_Report_of_Examiners'_Feedback_14296101
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