ANALYSIS OF FACTORS AFFECTING THE PERFORMANCE OF BANKING SYSTEMS IN POST-COMMUNIST EU STATES

Iulia Cristina Iuga Alina Maria Benghea
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Iulia Cristina Iuga Alina Maria Benghea: 1 Decembrie 1918 University from Alba Iulia, Romania

Jean Monnet Chair EU Public Administration Integration and Resilience Studies, 2024, vol. June 2024, 55-68

Abstract: This study investigates the impact of specific banking factors and macroeconomic factors on banking performance indicators (ROA and ROE) in post-communist EU member states for the period 2000 – 2020. To determine the significant impact, an econometric panel data regression model was used. The study's results indicate that specific banking factors (Bank Size and Overhead Cost) have a negative impact on profitability indicators ROA and ROE, while other specific banking factors (Net Interest Margin and Non-Interest Banking Income) have a positive impact on the dependent variables. There is a positive impact of macroeconomic indicators on profitability indicators ROA and ROE, except for inflation, which has a negative impact on both ROA and ROE.

Date: 2024
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