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2016, vol. 13, br. 1, str. 131-146
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Međusobna povezanost makroekonomskih agregata i poslovnih performansi banaka
Relationship between macroeconomic aggregates and bank performance
Sažetak
Cilj ovog rada je da prikaže na koji način i u kojoj meri pojedini makroekonomski agregati utiču na performanse banaka. U radu će biti analizirano kretanje bruto domaćeg proizvoda, deviznog kursa, kamatne stope, inflatornog opterećenja i kretanja u platnom bilansu. Na strani poslovnih performansi ostvaruje se uvid u pokazatelje likvidnosti, adekvatnosti kapitala, kao i visinu neperformansnih kredita. Cilj istraživanja jeste da opovrgne ili potvrdi međusobnu povezanost kretanja vrednosti makroekonomskih agregata i poslovnih performansi banaka. Analiza je potvrdila povezanost dve postavljene varijable. Naime, negativna kretanja vrednosti makroekonomskih agregata direktno ili indirektno ostvaruju uticaj na kvalitet preformansi bankarskog sektora. Stoga, neophodno je da privrede definišu adekvatne strategije, da bi što bezbednije sprovele proces prilagođavanja novonastalim dešavanjima na tržištu, poput svetske finansijske krize, porasta neproduktivnih preduzeća, nepoverenja komitenata itd.
Abstract
The aim of the paper is relations between some macroeconomic aggregates and performance of banks. This paper show analysis of trends in gross domestic product, exchange rates, interest rates, inflation load, developments in the balance of payments. On the business side, performance is achieved insight into the liquidity, capital adequacy, and the amount of non-performable loans. The aim of the research is to refute or confirm the interconnectedness of movement values of macroeconomic aggregates and bank performance. The analysis confirmed the association of two set variables. The negative value movements of macroeconomic aggregates directly or indirectly have an impact on the quality of performance of the banking sector. Therefore, it is necessary to define an adequate strategy of the economy, would not it safer to carry out the process of adapting to new developments in the market, such as the global financial crisis, the rise in unproductive enterprises, distrust customers etc.
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