When a loan is close to becoming non-performing. banks have stronger incentives to renegotiate it in favourable conditions for the borrower (loan forbearance) rather than for recognising and resolving the non-performing loan. At the aggregated level and looking at borrowers (non-financial corporations). the preference for loan renegotiation may affect total factor productivity and agg... https://allfixelectricales.shop/product-category/dishwasher-basket-rail-roller/