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2017, vol. 11, br. 2, str. 90-101
Profitabilnost bankarskog sektora u zemljama zapadnog Balkana
Univerzitet u Novom Sadu, Ekonomski fakultet, Subotica

e-adresabranimir.kalas@ef.uns.ac.rs, aleksandra.rakita91@gmail.com
Ključne reči: banke; performanse; profitabilnost; ROA; ROE
Sažetak
Performanse banaka reflektuju veličinu, vrednost, uspeh, kao i efikasnost njihovog poslovanja. Indikatori banke predstavljaju ogledalo njihovih poslovnih aktivnosti, te shodno tome, banke moraju težiti njihovom poboljšanju kako bi mogle funkcionisati i opstati na finansijskom tržištu u tržišnim uslovima konkurencije. Upravo na taj način, banke će biti u mogućnosti da ostvare pozitivne rezultate u svom poslovanju, tj. profit i tako kreirati uslove za njihov dugoročni rast i razvoj. Cilj rada je da prikaže uspešnost bankarskog sektora u Srbiji, Bosni i Hercegovini, Hrvatskoj i Crnoj Gori putem fundamentalnih pokazatelja profitabilnosti. Predmet rada podrazumeva teorijski okvir usmeren na performanse banke i definisanje njihovih karakteristika sa stanovišta profitabilnosti. Nakon toga, sledi pregled bankarskog sektora u odabranim zemljama koji je manifestovan kroz detaljniju analizu prinosa na aktivu (ROA) i prinosa na kapital (ROE) kao dva ključna indikatora profitabilnosti bankarskog sektora u Srbiji, Bosni i Hercegovini, Hrvatskoj i Crnoj Gori. Rezultati analize su pokazali da je prisutno je smanjenje vrednosti indikatora ROA i ROE u posmatranim zemljama, posebno u Crnoj Gori gde je prosečna negativna stopa iznosila 0.6% i 6.54%. Posmatrajući 2015. godinu, najveći pad je zabeležen u Hrvatskoj gde su ROA i ROE bili na nivou od -1.1% i -7.8%, dok su ostale zemlje ostvarile pozitivne vrednosti indikatora ROA u intervalu 0.1% - 0.5% i indikatora ROE u intervalu 1.1% - 3.4%.
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O članku

jezik rada: srpski
vrsta rada: pregledni članak
DOI: 10.5937/poseko12-13463
objavljen u SCIndeksu: 15.03.2018.

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