The increasing of non-performing loans, (NPLs) and consequently, instabilities that may happen in the future. Therefore, research in this issue causes some findings that rots of the problems in order to prevent the growth of non-performing loans in awarded facilities. The potential and actual collection of non-performing loans creates desirable condition for both banking system and Recipients of bank facilities. The present study stimulates and checks the relationship between financial distress Recipients of bank facilities and amount of bank non-performing loans of period by using system dynamics approaches. The model is designed using VENSIM Software. The result of Sceneries imitation at the end of the period of study shows that reduction in expected inflation, reduction in unemployment and reduction in interest rates will have significant effect in reducing the amount of bank non-performing loans.