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Author
Alihodžić Almir (University of Zenica, Zenica, Bosnia and Herzegovina)
Title
The Factors Affecting Bank Profitability: The Case of Bosnia and Herzegovina
Czynniki wpływające na rentowność banków: przypadek Bośni i Hercegowiny
Source
Nauki o Finansach / Uniwersytet Ekonomiczny we Wrocławiu, 2020, vol. 25, nr 2-3, s. 1-23, rys., tab., bibliogr. 29 poz.
Financial Sciences / Uniwersytet Ekonomiczny we Wrocławiu
Keyword
Wskaźniki rentowności, Kredyt, Banki
Profitability index, Credit, Banks
Note
JEL Classification: G20, G21, G29
streszcz., summ.
Country
Bośnia i Hercegowina
Bosnia and Herzegovina
Abstract
Badaniem objęto wszystkie banki funkcjonujące w Bośni i Hercegowinie. Głównym jego celem jest określenie znaczenia zewnętrznych i wewnętrznych zmiennych dotyczących rentowności banków. Podstawą analizy są dane pochodzące z raportów kwartalnych Agencji Bankowej Federacji B&H i Agencji Bankowej Republiki Serbskiej za lata 2008-2019. Do analizy korelacji i regresji wykorzystano następujące zmienne zależne: ROA i ROE oraz zmienne niezależne: GRNGL, GRNPL, GRGDP, wskaźnik koncentracji kredytów największych banków w systemie (pożyczki CR), wskaźnik koncentracji depozytów największych banków w systemie (depozyty CR), CAR i wskaźnik zdolności kredytowej do depozytu. Badanie wykazało istotny wpływ statystycznych zmiennych na ROA i ROE. Dodatkowo wskazano na potrzebę właściwego wyboru dłużników przez banki oraz kontroli kosztów, toksycznych pożyczek i rezerw w celu zwiększenia zysków i obniżenia kosztów.(abstrakt oryginalny)

This research includes all banks in Bosnia and Herzegovina (B&H) and testing internal and external variables on bank profitability indicators. The primary goal of this paper is to determine, through correlation and regression analysis, the strength and significance of the external and internal variables on bank profitability in Bosnia and Herzegovina. Likewise, data were collected from quarterly reports of the Banking Agency of the Federation of B&H and the Banking Agency of the Republika Srpska for the period 2008 Q1 to 2019 Q4. The following dependent variables were used: ROA, ROE and independent variables: GRNGL, GRNPL, GRGDP, concentration ratio of loans of the largest banks in the system (CR Loans), concentration ratio of deposits of the largest banks in the system (CR Deposits), CAR and loan-to-deposit ratio. The study found that there is a significant statistical impact of the variables on ROA and ROE. In addition, this study points out the need for banks to properly select debtors, and control costs, toxic loans and provisions in order to increase profits and reduce costs.(original abstract)
Accessibility
The Library of Warsaw School of Economics
The Library of University of Economics in Katowice
The Main Library of the Wroclaw University of Economics
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Bibliography
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ISSN
2080-5993
Language
eng
URI / DOI
http://dx.doi.org/10.15611/fins.2020.2.01
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