Challenges of Banking Profitability in Eurozone Countries: Analysis of Specific and Macroeconomic Factors
Povzetek
Na donosnost finančne institucije vplivajo številni dejavniki. Nekateri od teh dejavnikov vključujejo zunanje sile, ki ob- likujejo rezultate na področju dobička, in notranje elemente, ki so prisotni v vsaki finančni instituciji. Politični vplivi so odvisni od vrste razlage in jih je treba jemati resno. Ta članek razvršča determinante donosnosti bank, hkrati pa služi kot pregled obstoječe literature o uspešnosti bank. Drugi del te raziskave meri, kako zunanji dejavniki in notranje determi- nante vplivajo na donosnost bank v EU. Članek vsebuje modele s fiksnim učinkom in OLS (metode najmanjših kvadratov) ter v novi luči prikazuje različne dejavnike, ki vplivajo na uspešnost bančnega sektorja EU. Obdobje opazovanja je bilo od leta 2012 do 2019 in ugotovitve kažejo, da na donosnost bank v EU vplivata tako zunanje makroekonomsko okolje kot upravljavsko odločanje. Rezultati študije kažejo, da razmerje med kapitalom in premoženjem (EA), razmerje vrzeli in BDP pozitivno vplivajo na donosnost bank, medtem ko razmerje med posojili in premoženjem (LA) ter razmerje med rezervacijami za posojilne izgube in skupnimi posojili (PLL/TL) negativno vplivata na donosnost bank v EU. Empirične ugotovitve se ujemajo s pričakovanimi rezultati, vendar se razlikujejo od študij, ki so proučevale razmerje med strukturno uspešnostjo bank v EU, ker ugotavljajo, da tržni delež in koncentracija pozitivno vplivata na donosnost bank.
Prenosi
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