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Author
Zaleska Małgorzata, Ślązak Emil
Title
Analiza sektorów bankowych w nowych krajach członkowskich Unii Europejskiej - wybrane zagadnienia
Analysis of selected issues regarding banking sectors in new European Union member states
Source
Bank i Kredyt, 2004, nr 9, s. 4-13
Keyword
Banki komercyjne, Finanse banków, Analiza porównawcza, Marża odsetkowa
Commercial banks, Banks finance, Comparative analysis, Interest margin
Abstract
Celem opracowania jest porównanie niektórych wielkości i wskaźników finansowych sektorów banków komercyjnych w krajach, które z dniem 1 maja 2004 r. wstąpiły do Unii Europejskiej, ze szczególnym uwzględnieniem sektora polskiego. Analiza porównawcza dotyczy dziesięciu sektorów, przy czym w odniesieniu do niektórych wielkości wynikowych, m.in. współczynnika kosztów działania oraz marży odsetkowej, ze względu na niedostępność danych analiza obejmuje siedem lub osiem sektorów (Czech, Estonii, Litwy, Łotwy, Malty, Polski, Słowenii oraz w przypadku współczynnika fisklnego również Cypru). Opracowanie przygotowano na podstawie oficjalnych danych statystycznych publikowanych przez banki centralne i instytucje centralne analizowanych krajów.

The purpose of this paper is to compare certain figures and financial indicators for the commercial banking sectors in countries which joined the European Union on May 1, 2004, with particular focus on the Polish banking sector. The banking sectors in the ten countries have been included in this comparative analysis. With regard to certain outcome values (e.g. general expense ratio and interest margin), the analysis only includes banking sectors in seven or eight countries (the Czech Republic, Estonia, Lithuania, Latvia, Malta, Poland, Slovenia and, in the case of the fiscal ratio, also Cyprus) due to the unavailability of detailed data. The level of development of commercial banks and the impact of factors which influence their competitiveness may be determined by comparing the achievements of individual commercial banking sectors on the basis of their balance sheet items and outcome values as well as financial indicators. Such comparisons show that at the end of 2003: Among the banking sectors in the countries which joined the European Union on 1 May 2004, three - in Poland, the Czech Republic and Hungary - were significant in terms of their total assets. The Czech and Hungarian banking sectors obtained the highest net earnings; Although the Polish banking sector was the largest among those examined in terms of its assets, its profitability was very low. This was due to both external (primarily fiscal) and internal factors (chiefly related to general expense and credit risk management); Then the scale of banking sector operations on national markets is taken into account by comparing the sector's total assets and other balance sheet items with GDP figures in the individual countries, the banking sectors in Malta and Cyprus lead in terms of total assets, regulatory capital and the scale of financial operations. (original abstract)
Accessibility
The Main Library of the Cracow University of Economics
The Library of Warsaw School of Economics
The Library of University of Economics in Katowice
The Main Library of Poznań University of Economics and Business
The Main Library of the Wroclaw University of Economics
Bibliography
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  1. Central Bank of Malta - Annual Report 2003.
  2. Ocena wpływu polityki pieniężnej, podatkowej i nadzorczej na rozwój banków w 2002 r. Warszawa 2003 KNB, s. 52.
  3. Sytuacja finansowa banków w 2003 r. - synteza. Warszawa maj 2004 NBP GINB, s. 11, 13, 18-20, 22.
Cited by
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ISSN
0137-5520
Language
pol
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