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2021, vol. 50, iss. 1, pp. 10-26
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Possibility of implementation and advantages of bancassurance: Bank market and insurance records in Bosnia and Herzegovina
Mogućnost primene i prednosti bankoosiguranja - evidencija tržišta banaka i osiguranja u Bosni i Hercegovini
Abstract
Bancassurance is a term used to describe a partnership or relationship between a bank and an insurance company, where the insurance company uses a banking sales channel to sell insurance products. The implementation of banking insurance activities in the financial system contributes to the strengthening of the competitive environment, the development of new insurance products, and greater satisfaction of customer needs. The main goal of this research is to point out the importance and significance of the application of bank insurance for both financial institutions, through the analysis of financial performance indicators of both banks and insurance companies, through the aspect of income and expenses. Also, this research presents an econometric analysis that tests the impact of other income, profit/loss growth rate, as well as the cost-income ratio as independent variables and their impact on the dependent variable, i.e., return on assets of banks in Bosnia and Herzegovina. The results of the econometric analysis showed that other revenues have the greatest impact on the profitability of banks in B&H. The weakest impact on bank profitability has a cost-to-earnings ratio.
Sažetak
Bankoosiguranje je termin koji se koristi za opis partnerstva ili odnosa između banke i osiguravajuće kompanije, pri čemu osiguravajuće društvo koristi bankarski kanal prodaje za prodaju proizvoda osiguranja. Sprovođenje aktivnosti bankarskog osiguranja u finansijskom sistemu doprinosi jačanju konkurentnog okruženja, razvoj novih proizvoda u osiguranju i većem zadovoljenju potrebe klijenata. Osnovni cilj ovog istraživanja je da se ukaže na važnost i značaj primene bankoosiguranja za obe finansijske institucije kroz analizu finansijskih indikatora poslovanja, kako banaka, tako i osiguravajućih kompanija kroz prizmu prihoda i troškova. Takođe, kroz ovo istraživanje je predstavljena ekonometrijska analiza putem koje se testira uticaj ostalih prihoda, stope rasta profita/gubitka, kao i odnosa troškova i prihoda kao nezavisnih varijabli i njihov uticaj na zavisnu varijablu, odnosno povrat na aktivu banaka u Bosni i Hercegovinu. Rezultati ekonometrijske analize su pokazali da ostali prihodi imaju najveći uticaj na profitabilnost banaka u BiH. Najslabiji uticaj na profitabilnost banaka ima odnos troškova i zarade.
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