Comparison of Selected Methods for Performance Evaluation of Czech and Slovak Commercial Banks

Gavurová, Beata; Belás, Jaroslav; Kočišová, Kristína; Klieštik, Tomáš

doi:10.3846/16111699.2017.1371637

Cited by 40 publications

(32 citation statements)

References 28 publications

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“…From the banks' perspective, the causes of credit risk can be divided into several sub-causes related to banks' own decisions: credit criteria towards entrepreneurs (Belás et al, 2017;Karaev et al, 2017), client's credit rating (Greene & Saridakis, 2008), measuring default (Balcerzak et al, 2017;Kliestik et al, 2018;Kliestikova et al, 2018;Maciag & Löderbusch, 2017;Siekelova et al, 2017;Gavurova et al, 2017), credit risk duration (Haghani, 2016), and others. Other types of causes are those stemming from the development of political and economic situation in a respective country (Perez et al, 2017).…”

Section: Introductionmentioning

confidence: 99%

Evaluation of important credit risk factors in the SME segment

Dvorský

Schönfeld

Kotásková

et al. 2018

Journal of International Studies

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The aim of the paper is to define important credit risk factors in the SME segment, find out how entrepreneurs evaluate these factors, and quantify the differences in their evaluation based on the enterprise's age, gender and attained education level. An empirical research was conducted in relation to the defined aim. 1,141 responses were received by means of the online questionnaire. To process the results, the two-sample t-test was used. Statistical tools such as histogram, Q-Q graph, z-test, and goodness-of-fit tests were applied to verify the assumptions. The results indicate that small and medium-sized enterprises perceive credit risk more intensively in comparison with the pre-crisis era. It was also discovered that the SMEs' knowledge of credit criteria is somewhat low. Entrepreneurs also state that banks' credit criteria are not very transparent. Based on the findings, the length of operating a business has a significant influence on the evaluation of credit risk factors. Experienced entrepreneurs, meaning those operating a business for over 10 years, have a more intense perception of the significance of credit risk, they also have better knowledge of banks' credit criteria, and view credit criteria as more transparent than beginner entrepreneurs.

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Section: Introductionmentioning

confidence: 99%

Evaluation of important credit risk factors in the SME segment

Dvorský

Schönfeld

Kotásková

et al. 2018

Journal of International Studies

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“…They pointed to the fact that with increasing NPL the ability of banks to increase their performance continued to decline. In addition to credit risk, another important factor in assessing the stability of banks is performance (Cipovova & Belas, 2012;Gavurova et al, 2017). The performance of banks in the EU countries during the last years has also declined, which is evident from the performance ratios.…”

Section: Introductionmentioning

confidence: 90%

The evaluation of stability of Czech and Slovak banks

Kočišová

Gavurová

Behún

2018

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Research background: Commercial banks could affect the stability of the whole banking system due to the way they carry out their business activities. The supervision authorities play a key role in protecting banking stability by ensuring banks´ resilience to shocks, ability to recover their position in response to crisis and ultimately the supervision authorities help prevent failure of these banks. Therefore, in recent years' researchers have been trying to define conditions that could guarantee stability of banks. Purpose of the article: This paper aims to describe the methodology used to measure banking stability, namely banking stability index (BSI) and Z-score. In the first part, we present the literature review, then we try to assess the stability in the condition of the Czech Republic and Slovakia during the period 2006-2016. Methods: The BSI is constructed according to the methodology presented by Ghosh (2011), taking into account the main components, which are described by the set of financial indicators of banks. The results according to countries have showed that the tendency of development in the Czech and Slovak banking sector was the same. At the beginning of the analyzed period, the Slovak banks were more stable compared to Czech ones. Since 2009 the situation has been different, where the Czech banks could be considered as more stable compared to Slovak ones. The tendency of development of Z-score in both countries could be considered as the same, without the 2009 year, when the Czech banks significantly strengthened their capitalization, which influenced the development of Z-score. The results of correlation analysis between Z-score and BSI pointed to the fact that there was no high correlation between these two measures, therefore it is appropriate to use both methodologies for stability evaluation.

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“…The distance between the evaluated plan and the PIS is then calculated. The advantage of this method is that it enables the priorities of the evaluated plans to be determined according to their relative distance from the ideal solution, thereby avoiding the problem of incomparability between plans that are either equally close to the PIS or distant from the NIS (Stankevičienė, Kraujalienė, & Vaiciukevičiūtė, 2017;Gavurova, Belas, Kocisova, & Kliestik, 2017). A solution can be obtained using the following steps (Lin & Cho, 2018).…”

Section: Topsismentioning

confidence: 99%

Optimization Plan for Excess Warehouse Storage in E-Commerce–based Plant Shops: A Case Study for Chinese Plant Industrial

Lin¹,

Cho

et al. 2019

Journal of Business Economics and Management

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The rapid development of e-commerce in China has played a critical role in the development of the national economy and ongoing modernization. The plant industry is unique among industries that employ e-commerce sales models because its products exhibit special characteristics such as high death and damage rates. Therefore, its e-commerce and logistical requirements are stricter than in other industries and, as a result, excess warehouse storage can be extremely difficult for e-commerce-based plant shops to manage. Numerous studies have indicated the need to identify a product's most up-to-date market conditions, as well as the type, function, and size of warehouses. Therefore, based on a case study, this study proposes an optimization plan for solving excess warehouse storage in e-commerce-based plant shops. First, sales volume data of the case company, Enterprise A, were analyzed to predict future sales. Then, entropy and the technique for order preference by similarity to an ideal solution were used to construct the decision-making model. Finally, a cloud warehouse-based optimization plan was proposed to solve excess warehouse storage in e-commerce-based plant shops. This plan can serve as a reference for decision-makers or executives in e-commerce-based plant shops when handling excess warehouse storage.

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Comparison of Selected Methods for Performance Evaluation of Czech and Slovak Commercial Banks

Cited by 40 publications

References 28 publications

Evaluation of important credit risk factors in the SME segment

Evaluation of important credit risk factors in the SME segment

The evaluation of stability of Czech and Slovak banks

Optimization Plan for Excess Warehouse Storage in E-Commerce–based Plant Shops: A Case Study for Chinese Plant Industrial

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