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Nawaz, Md. Asif (2025) Essays on institutional environment and banking. PhD thesis, University of Nottingham.

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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:	Thesis (University of Nottingham only) (PhD)
Supervisors:	Dadoukis, Aristeidis Bitar, Mohammad
Keywords:	Banking; Institutional Environment; Judicial Inefficiency; Country Governance; Individualism; Banking Regulations; Culture
Subjects:	H Social sciences > HG Finance
Faculties/Schools:	UK Campuses > Faculty of Social Sciences, Law and Education > Nottingham University Business School
Item ID:	81629
Depositing User:	Nawaz, Md.
Date Deposited:	12 Dec 2025 13:09
Last Modified:	12 Dec 2025 13:11
URI:	https://eprints.nottingham.ac.uk/id/eprint/81629

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