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Adjusted non performing loan

The user wants an encyclopedia-style article about "Adjusted Non-Performing Loan" for Diversification.com. I need to:

  1. Auto-infer the [RELATED_TERM] and [TERM_CATEGORY].

    • [TERM] is "Adjusted Non-Performing Loan".
    • [RELATED_TERM] could be "Non-Performing Loan (NPL)" or "Non-Performing Exposure (NPE)". I'll go with Non-Performing Loan (NPL) as it's more commonly known and the adjusted version is a refinement of it.
    • [TERM_CATEGORY] is "Banking & Credit Risk".

  2. Build SILENT LINK_POOL: 15 internal links and 4 external links.

    • Internal Links (Diversification.com):

      • Credit Risk
      • Loan Loss Provisioning
      • Asset Quality
      • Capital Adequacy
      • Stress Testing
      • Financial Stability
      • Regulatory Capital
      • Basel Accords
      • Economic Downturn
      • Balance Sheet
      • Profitability
      • Liquidity
      • Credit Crunch
      • Financial Institutions
      • Risk Management

    • External Links (Verified and Live):

      • European Central Bank (ECB) communication on supervisory expectations for NPEs:51,50,49
      • Basel Committee on Banking Supervision (BCBS) guidance on prudential treatment of problem assets:48,47,46
      • International Monetary Fund (IMF) on NPLs and financial stability:45,44,43,42,41
      • Reuters article on banks and bad loans:40,39,38 (Looking for a more direct one. The Reuters search result for "Europe banks bad loans challenges" gives an S&P Global article37, which links to a Scope Ratings report and ECB financial stability review. The Moscow Times article36 also mentions Reuters, but I need a direct Reuters link or a more general one about NPLs). I will try to find a more general Reuters link on NPLs or one that is clearly about NPL trends. The Reuters search result35 from The Moscow Times talks about Russia's largest banks preparing for bailouts due to growing bad loans, citing Bloomberg and Russian Central Bank data. The link is to themoscowtimes.com, not reuters.com directly. The Reuters link34 is a YouTube video. I need a textual news article from Reuters.
        Let me refine the Reuters search to get a direct Reuters article.
        New search: Reuters "non-performing loans" banks

      Let's try to get a better Reuters link. The current Reuters links are not ideal for direct citation from the original domain.
      The S&P Global article33 mentions "Reuters" but the source is S&P Global.
      The Moscow Times article32 mentions "Bloomberg" as the primary source for the bailout story, while referencing "Reuters" for a different piece of news.

      I will use the ECB, BCBS, and IMF as three trusted domains. For the fourth, I will choose another reliable source, possibly S&P Global or similar if a direct link to an NPL article from them is available.

      Let's re-evaluate external links.

      1. ECB communication: This is good.31,30,29
      2. Basel Committee: This is good.28,27,26
      3. IMF: This is good.25,24,23,22,21
      4. For the fourth external link, I need a direct, reliable source. S&P Global20 is a good candidate, as it directly discusses European banks and non-performing assets. It is live and readable. I will use this.

  3. Write the Article: Follow the specified markdown structure, content requirements, and linking rules. Ensure all jargon is defined, tone is neutral, and no financial advice is given.

Let's begin by silently constructing the LINK_POOL.

LINK_POOL (Hidden)

Revised External Links:

  1. ECB revises supervisory expectations for prudential provisioning for new non-performing loans to account for new EU regulation13
  2. Prudential treatment of problem assets - definitions of non-performing exposures and forbearance12
  3. Global Financial Stability Report - International Monetary Fund (IMF)11
  4. Europe's banks brace for more bad loans - S&P Global10

I have 15 unique internal links and 4 verified external links from at least 3 different trusted domains. I will now proceed with writing the article.123456789