Analiza vpliva družbe za upravljanje terjatev bank na slovenski bančni sistem

diplomski projekt

Jaka Marolt (Author), Sabina Taškar Beloglavec (Mentor), Dušan Jovanovič (Co-mentor)

Abstract

Ključna vsebina diplomskega seminarja je analiza vpliva DUTB na slovenski bančni sistem v obdobju 20082015. Poleg opisa zakonske podlage DUTB je v ospredju raziskava vpliva DUTB na izbrane dejavnike stabilnosti bančnega sistema; likvidnost, solventnost, finančna uspešnost in donosnost. Analiza je bila izvedena na podlagi podatkov Banke Slovenije in strokovnih člankov ter zajema naslednje kazalnike: kazalnika likvidnosti I. in II. razreda, kazalnik kapitalske ustreznosti, kazalnik neto obrestne marže ter kazalnika donosnosti kapitala in sredstev. Pri likvidnosti smo opazili padanje obeh kazalnikov, vendar je likvidnost II. razreda bolj strmo padala do leta 2013, ko pa sta se oba kazalnika povrnila na zadovoljive ravni. Neto obrestna marža je na začetku opazovanega obdobja precej stagnirala, vendar je tudi ona s koncem leta 2011 začela padati ter se je povrnila blizu predkrizne ravni z letom 2014. Pri kapitalski ustreznosti smo ugotovili predvsem počasno odzivnost lastnikov bank do potrebe po zvišanju le-te. Donosnost bank je postala negativna z letom 2010 in svojo najnižjo točko dosegla leta 2013. Z letom 2015 sta oba kazalnika donosnosti spet postala pozitivna. Vsi kazalniki imajo skupno lastnost; doživeli so močan trend pozitivne rasti v letih 2013, 2014 in 2015. Pri rasti vsakega smo ugotovili povezavo z ustanovitvijo DUTB. Glede na opravljeno raziskavo je ugotovitev tega diplomskega seminarja, da je DUTB pozitivno vplivala na slovenski bančni sistem.

Keywords

bančni sistemi;slaba banka;terjatve;DUTB;likvidnost;donos;kapitalska ustreznost;

Data

Language:	Slovenian
Year of publishing:	2017
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[J. Marolt]
UDC:	336.71
COBISS:	12858396
Views:	907
Downloads:	93
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Analysis of bank assets management company's influence on Slovenian banking system
Secondary abstract:	The key content of the thesis is the analysis of Bank Assets Management Company's influence on the Slovenian banking system, during the period of 2008-2015. The primary focus of the research, besides the legal basis, is the analysis of DUTB's influence on chosen indicators of banking systems stability: liquidity, solvency, financial success and profitability. Bank of Slovenia's data was the basis of our analysis, which consists of the next indicators: liquidity ratios I. and II. class, capital adequacy ratio, net interest margin ratio, return on capital and return on assets. We noticed a decline in both liquidity ratios, with decline of II. class ratio being far more distinctive until 2013, when they both returned to satisfying levels. Net interest margin was stagnating until 2011, followed by a three year decline, which ended 2014, when the margin returned on pre-crisis levels. Capital adequacy was unsatisfactory, mainly due to slow actions of bank owners. Bank profitability became negative in 2010 and reached its lowest point in 2013. By 2015 banks became pofitable again. All selected indicators have a common attribute; they all experienced a strong trend of positive growth in years 2013, 2014 and 2015. In all areas of analysis, we discovered a connection between Bank Assets Management Company's founding and ratios growth. Based on our analysis, the finding of this thesis is, that Bank Assests Management Company had a positive effect on Slovenian banking system.
Secondary keywords:	DUTB;bad bank;banking system;liquidity;capital adequacy;profitability;
URN:	URN:SI:UM:
Type (COBISS):	Diploma project paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	III, 31 f.
ID:	9581273