期刊名称：International Journal of Finance and Accounting
印刷版ISSN：2168-4812
电子版ISSN：2168-4820
出版年度：2013
卷号：2
期号：3
页码：138-149
DOI：10.5923/j.ijfa.20130203.02
语种：English
出版社：Scientific & Academic Publishing Co.
摘要：The main aim of this paper is to investigate development trends and analyze factors affecting competitiveness and growth of banking sector and changes in these factors over time using regression models, selected statistical indicators, balance sheet variables, and bank profit rate in macroeconomic environment with a focus on Slovakia as member of the Euro area. The method of empirical sector and trend analysis, regression and correlation analysis and economic modelling are used. The relationships between the dependence of the banking sector profitability and macroeconomic growth have been surveyed and quantified using regression models spanning a period of seven years (2004-2010) to ten years (2001-2010). Simple or multiple regression models (M1-M6) accurately reflected the real development of the banking sector in Slovakia. Since these sector variables are not dependent on the Slovak historical context, the models can be readily applied to other central European economies. There are found development trends and selected market factors of competitiveness and growth of banking sector that informed the analysis, such as effective liquidity management, quality of balance sheets assets and trend of the assets increase in total with crucial share of earning assets (loans), efficient management of interest policy and net interest margin, and increasing of profitability rate from long-term aspect. These regression models could further be used to improve the profitability of financial enterprises and competitiveness against crises.
关键词：Factors of Competitiveness; Banking Sector; Macroeconomic Environment; Regression Models
