Distribution channels of banking services: Attitudes and preferences of clients

Guzovski, Marina; Rudančić, Andreja; Zgurić-Dobrenić, Vlatka

doi:10.5937/intrev2202029g

Cited by 2 publications

(2 citation statements)

References 7 publications

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“…The trends in banking are different, but their impact on competitiveness is indisputable. Some of them are deregulation, technological progress and diversity of banking services [19], including the adoption of ESG products [20]. Over the past two decades, banking institutions have entered new product areas, moving from traditional lending to new strategies based on generating nonfund-based income through the provision of various services (securities trading, support for firms to issue new equity financing, securities commissions from values and asset management, etc.).…”

Section: Methodsmentioning

confidence: 99%

Analysis of the efficiency of banks in Serbia and Montenegro using the DEA method

Simonović,

Milojević,

Milašinović

et al. 2023

International Review

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The banking sector of a country plays a crucial role in the overall economy of a nation. The efficiency of banks is a critical factor in assessing their financial performance and competitiveness. The aim of this paper is to measure the relative efficiency of the commercial banks in Serbia and Montenegro by using the non-parametric methodology Data Envelopment Analysis (DEA). The efficiency of banks will be measured using DEA for two models with different input and output variables. The sample consists of banks from Serbia (21) and banks from Montenegro (11) for the period 2017-2022. According to the obtained results, there are four banks that are relatively efficient every year, two from Serbia and two from Montenegro (AIK banka and 3M banka according to the first model and Crnogorska komercijalna banka and Hipotekarna banka according to the second model). The findings from the paper are valuable for further use by regulators, policy makers and bank management who are expected to identify a sustainable business strategy in line with the company's capabilities.

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Section: Methodsmentioning

confidence: 99%

Analysis of the efficiency of banks in Serbia and Montenegro using the DEA method

Simonović,

Milojević,

Milašinović

et al. 2023

International Review

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“…Different risk factors can be considered as different elements of control and support as well as processes that are necessary to maintain the integrity of the rating. [8] The distinction between these three categories can be less precise in practice for three key reasons:…”

Section: Validation Of the Rating Processmentioning

confidence: 99%

The role of the banks' rating system in the allocation of loans

Šegrt,

Vučinić,

Mihajlović

et al. 2023

International Review

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The subject of this paper is the analysis of the application of banking internal credit risk measurement models for the purpose of calculating the minimum regulatory capital. The Basel Committee established proposals for an internal rating-based approach (IRB approach-internal rating-based) to capital requirements for credit risk. Such an approach, which relies on the bank's internal assessment of counterparties and exposures, can ensure two key objectives: the first is additional risk sensitivity, in which capital requirements based on internal ratings can be much more sensitive on the drivers of credit risk of economic losses in the banking portfolio; the second is incentive compatibility, where the appropriate structure of the RBI approach can provide a framework that encourages banks to continue to improve their internal risk management practices. The internal ranking approach aims to improve the safety and soundness of the financial system. The paper defines the terminology and classification of the rating system. The probability of default (PD-probability at default) and the other two risk components LGD (loss given default) and EAD (exposure at default) are key input parameters for the calculation of regulatory capital. The rating system is, therefore, a significant driver of risk management and financial performance measurement. To be in a position to demonstrate to supervisors that an internal rating system should be used for the purposes of determining minimum regulatory capital requirements, banks must first demonstrate that the rating system is an integral part of their ongoing operations and risk management culture.

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Distribution channels of banking services: Attitudes and preferences of clients

Cited by 2 publications

References 7 publications

Analysis of the efficiency of banks in Serbia and Montenegro using the DEA method

Analysis of the efficiency of banks in Serbia and Montenegro using the DEA method

The role of the banks' rating system in the allocation of loans

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