Insights
Thought-provoking insights on banking, economics, leadership, governance, and emerging trends.
Selected newspaper columns and commentary on banking, finance, and economic issues
Reprint requests and citation links are available on request.
View all columns on The Financial ExpressDr Arif Insights
Visual insights adapted from Non-performing Loans in Bangladesh — bridging research, banking practice, and financial sector stability.
Insight #5
Disbursement is the beginning of monitoring. Continuous review of repayment, cash flow, and account conduct helps stop good loans from turning into NPLs.
Adapted from Non-performing Loans in Bangladesh
Insight #1
Sustainable banking requires strong governance, prudent lending and effective monitoring.
Adapted from Non-performing Loans in Bangladesh
Insight #2
The quality of a loan portfolio is determined long before the first installment is due.
Adapted from Non-performing Loans in Bangladesh
Insight #3
NPLs do not appear suddenly. Early detection and timely intervention can save good loans from turning into non-performing loans.
Adapted from Non-performing Loans in Bangladesh
Insight #4
Effective risk management begins with sound borrower selection, continuous monitoring, and timely intervention—not collateral alone.
Adapted from Non-performing Loans in Bangladesh
Insight #5
Disbursement is the beginning of monitoring. Continuous review of repayment, cash flow, and account conduct helps stop good loans from turning into NPLs.
Adapted from Non-performing Loans in Bangladesh
Insight #1
Sustainable banking requires strong governance, prudent lending and effective monitoring.
Adapted from Non-performing Loans in Bangladesh
Insight #2
The quality of a loan portfolio is determined long before the first installment is due.
Adapted from Non-performing Loans in Bangladesh
Insight #3
NPLs do not appear suddenly. Early detection and timely intervention can save good loans from turning into non-performing loans.
Adapted from Non-performing Loans in Bangladesh
Insight #4
Effective risk management begins with sound borrower selection, continuous monitoring, and timely intervention—not collateral alone.
Adapted from Non-performing Loans in Bangladesh
