F Faktori koji utiču na stopu adekvatnosti kapitala bankarskog sistema Bosne i Hercegovine i Hrvatske
Faktori koji utiču na stopu adekvatnosti kapitala bankarskog sistema Bosne i Hercegovine i Hrvatske
Sažetak
Važnost minimalne stope adekvatnosti kapitala u sprečavanju bankrota banaka i gubitka novca deponenata posebno je naglašena u njihovoj sposobnoti apsorpcije razumnog nivoa gubitaka. Ovaj rad pridonosi literaturi o kapitalu banaka, a posebno daje temeljitu analizu kapitala banaka u kontekstu Bosne i Hercegovine i Hrvatske. Urađena analiza se odnosi na deo literature o nenaplativim kreditima i kapitalu banaka koji se nalazi u stalnom interesu istraživača. Relevantno je područje istraživanja jer se bavi najvažnijim delom bankarskog poslovanja, posebno u kontekstu sve veće globalne konkurencije i kriza. U ovom naučnom području autori istražuju uticaj stope finansijske poluge, stope bruto domaćeg proizvoda i povrata na kapital na stopu adekvatnosti kapitala. U tom smislu, ova studija unapređuje literaturu o efektima utjecaja na bankovni kapital koji nisu analizirani u drugim naučnim radovima, posebno jer analizira uticaj stope zaduženosti, stope bruto domaćeg proizvoda i povrata na kapital u kontekstu celokupnog bankarskog sistema Bosne i Hercegovine i Hrvatske. Studija je ograničena na šestogodišnji period od 2016. do 2021. godine. Na temelju primenjenog modela, empirijski dokazi sugerišu da obe zemlje rezultiraju različitim korelacijama među varijablama. Modeliranje je kreirano radi utvrđivanja odnosa između nezavisnih varijabli LR, stopa rasta GDP-a, ROE i njihovog uticaja na CAR. Pored toga, pokazatelj adekvatnosti kapitala postaje sve važniji za banke.
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