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The Importance and Business Performance Efficiency of Small Banks: Case of the Republic of Croatia (CROSBI ID 692240)

Prilog sa skupa u časopisu | izvorni znanstveni rad | međunarodna recenzija

Tuškan Sjauš, Branka The Importance and Business Performance Efficiency of Small Banks: Case of the Republic of Croatia // Proceedings of FEB Zagreb ... International Odyssey Conference on Economics and Business / Šimurina, Jurica ; Načinović Braje, Ivana ; Pavić, Ivana (ur.). 2020. str. 399-410 doi: 10.22598/odyssey/2020.2

Podaci o odgovornosti

Tuškan Sjauš, Branka

engleski

The Importance and Business Performance Efficiency of Small Banks: Case of the Republic of Croatia

Small or community banks are traditionally the main source for funding of small and medium- sized enterprise. Such a role of small banks is important for small businesses because they often struggle with the higher risk profile and connected difficulties in funding through large banks. However, the number of small banks declined significantly in recent years, not only in Croatia but also in general as a consequence of failures and M&A activities in the post-crisis period. This paper investigates the business model of small banks, their role in the financial system and economy with an accent on their role in the funding of the small business. Moreover, this paper analyzes the trends in the banking sector during the last decade and their impact on a number of banks, size, financial indicators and business performance in general. The main goal of the paper is to analyse the efficiency of small banks: for that purpose, the main market and financial indicators of the Croatian banking industry are analysed with special remarks on small banks, especially in the part of efficiency. Efficiency is tested for the period 2012–2018 on the sample of 21 small banks and compared with results for the total banking sector. In that sense, and for the purpose of research, efficiency measurement results, obtained by using specific mathematical nonparametric linear programing tool, are analysed: namely, Data Envelopment Analysis (DEA) is conducted on chosen income statement data used as inputs (expenses) and outputs (income) in super- efficiency SBM model. Such analysis aims to detect how conglomerisation wave and other specific conditions impacted banks business performance in the period observed. The results of such an analysis can be a valuable source of information for better understanding of the business model of small banks and its sensitivity to external stresses in addition to underlining the importance of presence and existence of small banks for a community – small businesses particularly – but also for the financial system and economy in total.

small banks, small business, Data Envelopment Analysis, efficiency, Croatia

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Podaci o prilogu

399-410.

2020.

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objavljeno

10.22598/odyssey/2020.2

Podaci o matičnoj publikaciji

Proceedings of FEB Zagreb ... International Odyssey Conference on Economics and Business

Šimurina, Jurica ; Načinović Braje, Ivana ; Pavić, Ivana

Zagreb: Ekonomski fakultet Sveučilišta u Zagrebu

2671-132X

Podaci o skupu

11th International Odyssey Conference on Economics and Business (FEB Zagreb)

predavanje

16.06.2020-21.06.2020

Zagreb, Hrvatska

Povezanost rada

Ekonomija

Poveznice