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2018, vol. 47, br. 2, str. 52-69
Uticaj diversifikacije izvora prihoda na volatilnost profitabilnosti banaka
Societe Generale banka, Montenegro

e-adresamilena.pajovic@t-com.me
Ključne reči: univerzalne banke; komercijalne banke; diversifikacija prihoda; volatilnost profitabilnosti; nekamatni prihod
Sažetak
Uprkos iscrpnim istraživanjima koja proučavaju uticaj diversifikacije poslovnih aktivnosti banke na njene performanse, još uvijek nije postignut konsenzus po pitanju toga da li je ovaj uticaj pozitivan ili negativan. U radu se identifikuju prednosti i nedostaci diversifikacije poslovnih aktivnosti i izvora prihoda u bankarstvu, a iskazani stavovi se potkrijepljuju ekonometrijskim dokazima. Istraživanje se sprovodi na uzorku od 20 sistemski važnih banaka čije se bilansne performanse prate za period od 2005-2014 godine. Uz primjenu linearnog regresionog modela ispituje se da li nivo učešća nekamatnog prihoda u ukupnim prihodima banke direktno utiče na volatilnost njene profitabilnosti. Istraživanje pruža praktične dokaze i doprinosi debati o prednostima i nedostacima primjene modela univerzalnog bankarstva.
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O članku

jezik rada: srpski, engleski
vrsta rada: izvorni naučni članak
DOI: 10.5937/bankarstvo1802052P
objavljen u SCIndeksu: 25.07.2018.
Creative Commons License 4.0

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