Istimewa
NON-performing loans in banking are not merely statistical figures that damage portfolios. Non- performing loans are red flags fluttering loudly.
They signal that something is not normal within the banking ecosystem. The question is, has the assessment of non-performing loans in a bank been done correctly and honestly, distinguishing which stem from business risk and which arise from malicious intent (mens rea) or manipulation? The reason is that there is a tendency for law enforcement officers (APH) to act blindly, hastily naming bankers as suspects simply because they are deemed to have committed a criminal offense.
