Bank specific determinants of EU banks profitability after 2007 financial crisis
The basic purpose of the paper is to research determinants on profitability indicators of the banks in the European Union. Analysed bank profitability indicators considered as a standard are: the return on total bank assets (ROA) and return on total bank equity (ROE). The research model of bank prof...
| Permalink: | http://skupnikatalog.nsk.hr/Record/nsk.NSK01001108548/Details |
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| Matična publikacija: |
Management (Split. Online) 25 (2020), 1 ; str. 89-102 |
| Glavni autori: | Ercegovac, Roberto (Author), Klinac, Ivica, Zdrilić, Ivica |
| Vrsta građe: | e-članak |
| Jezik: | eng |
| Predmet: | |
| Online pristup: |
https://doi.org/10.30924/mjcmi.25.1.5 Hrčak |
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| 024 | 7 | |2 doi |a 10.30924/mjcmi.25.1.5 | |
| 035 | |a (HR-ZaNSK)001108548 | ||
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| 100 | 1 | |a Ercegovac, Roberto |4 aut | |
| 245 | 1 | 0 | |a Bank specific determinants of EU banks profitability after 2007 financial crisis |h [Elektronička građa] / |c Roberto Ercegovac, Ivica Klinac, Ivica Zdrilić. |
| 300 | |b Graf. prikazi. | ||
| 504 | |a Bibliografija: 42 jed. | ||
| 504 | |a Summary ; Sažetak. | ||
| 520 | |a The basic purpose of the paper is to research determinants on profitability indicators of the banks in the European Union. Analysed bank profitability indicators considered as a standard are: the return on total bank assets (ROA) and return on total bank equity (ROE). The research model of bank profitability determinants is developed by analysing the systemically important, quoted banks in the European Union, in the 2007–2019 period, by using an adequate panel data analysis technique. The empirical evidence is in line with the initial assumptions: the efficiency of the banking firm, measured by the cost to income ratio and the non-performing loans ratio, has a significant influence on bank profitability, both on ROA and ROE. In the post-crisis period, banking firms ask for efficient cost management in achieving performance objectives. Additional important empirical results of research are the absence of impact of assets size and regulatory capital ratio on profitability indicators. The most important contribution of the paper is related to the sample definition, variable selection and explanatory power of the presented model in explaining global banking tendencies. | ||
| 520 | |a Temeljni cilj ovog rada je istražiti odrednice indikatora profitabilnosti banaka u Europskoj Uniji. Standardni pokazatelji profitabilnosti banaka su povrat na ukupnu imovinu banke (ROA) i povrat na ukupnu vlastitu imovinu banke (ROE). Istraživački model odrednica bankovne profitabilnosti razvijen je analizom sistemski značajnih banaka u Europskoj Uniji, listanih na tržištima kapitala, u periodu od 2017. do 2019. godine, korištenjem odgovarajuće tehnike analize panel podataka. Rezultati empirijskog istraživanja su u skladu s inicijalnim pretpostavkama: efikasnost banaka, mjerena odnosom troškova i prihoda te odnosom nenaplativih kredita, ima značajan utjecaj na profitabilnost, kako na ROA, tako i na ROE. U post-kriznom periodu, banke su orijentirane na efikasnost upravljanja troškovima, kako bi postigle svoje poslovne ciljeve. Dodatni značajni rezultati istraživanja odnose se na nepostojanje utjecaja veličine imovine te udjela regulatornog kapitala na indikatore profitabilnosti. Najznačajniji doprinos ovog rada odnosi se na definiranje uzorka, izbor varijabli i snagu predviđanja prezentiranog modela u objašnjavanju globalnih tendencija u bankarstvu. | ||
| 653 | 0 | |a Banke |a Bankarstvo |a Profitabilnost banke |a Financijska kriza |a Europski bankarski sektor | |
| 700 | 1 | |a Klinac, Ivica |4 aut | |
| 700 | 1 | |a Zdrilić, Ivica |4 aut | |
| 773 | 0 | |t Management (Split. Online) |x 1846-3363 |g 25 (2020), 1 ; str. 89-102 |w nsk.(HR-ZaNSK)000620258 | |
| 981 | |b Be2020 |b B03/20 | ||
| 998 | |b dalo2109 | ||
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