Izvorni znanstveni članak

DETERMINANTS OF BANK PROFITABILITY IN CROATIA

Ana Kundid orcid.org/0000-0002-3783-9833 ; Faculty of Economics Split, University of Split, Croatia
Blanka Škrabić orcid.org/0000-0002-7448-3821 ; Faculty of Economics Split, University of Split, Croatia
Roberto Ercegovac ; Société Générale Splitska banka d.d., Split, Croatia

Sažetak

The research objective of this study is twofold. It aims to provide a synthesis of relevant empirical researches on the determinants of commercial banks’ profitability and to establish empirical verification of profitability determinants of banks in the Republic of Croatia using an econometric method of dynamic panel analysis. The empirical analysis is carried out on a data sample of 28 commercial banks in the period 2003-2008 which continuously refers to more than 95 % of assets of the overall banking intermediation. Return on assets (ROA) is profitability indicator used in the analysis. The presented research results and their economic interpretation may serve as a valuable foundation for the general assessment of commercial bank management in Croatia as well as for identifying several sources of potential improvement and impairment of their financial performance in the future. Thus, corrective actions could be planned and implemented in advance.

Ključne riječi

bank profitability; microeconomic determinants; banking industry’s determinants; dynamic panel analysis; Croatia

Hrčak ID:

96661

URI

https://hrcak.srce.hr/96661

Datum izdavanja:

28.2.2011.

Posjeta: 5.764 *