Determinante neto kamatnih margina za banke u BiH
Sažetak
Predmet istraživanja u ovom radu je analiza uticaja pojedinih makro ekonomskih i mikroekonomskih varijabli na neto kamatne margine banaka u Bosni i Hercegoviniza period od 2008 do 2013., uz primenu modela višestruke linearne regresije. Nivo i dinamika neto kamatnih margina ukazuju na efikasnost u finansijskom posredovanju. Posmatrani period karakteriše smanje nje neto kamatnih margina banaka u odnosu na raniji period koji je bio karakterističan po visokom rastu bruto domaćeg proizvoda, bankarskih kredita, kamatnih stopa i visoke profitabilnosti. Stoga, ovo istraživanje ispituje faktore koji utiču na nivo neto kamatnih margina u domaćem bankarskom sektoru. Osnovni cilj ovog istraživanja je da se utvrdi da li postoji međuzavisnost u kretanju između nezavisnih I zavisnih varijabli kroz primenu modela višestruke linearne regresije. U ovom istraživanju neto kamatna margina će se posmatrati kao zavisna varijabla, a rizik likvidnosti, operativni troškovi, kreditni rizik, indeks tržišne koncentracije, rizik finansiranja, stopa rasta BDP-.a iindeks potrošačkih cijena će se posmatrati kao nezavisne varijable.
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