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Title:The impact of COVID-19 on bank efficiency in the Western Balkans : a DEA approach
Authors:ID Fotova Čiković, Katerina (Author)
ID Cvetkoska, Violeta (Author)
ID Keček, Damira (Author)
Files:URL https://journals.um.si/index.php/oe/article/view/2703
 
Language:English
Work type:Scientific work
Typology:1.01 - Original Scientific Article
Organization:EPF - Faculty of Business and Economics
Abstract:This paper aims to assess and compare the relative efficiency of commercial banks in six Western Balkan developing countries (North Macedonia, Serbia, Montenegro, Bosnia and Herzegovina (B&H), Kosovo1, and Albania), using the leading nonparametric methodology Data Envelopment Analysis (DEA) for the period 2016-2020, and investigating the impact of the COVID-19 pandemics on the performance of banking systems in these countries. The outputoriented DEA model has been implemented with interest expenses and noninterest expenses as inputs and interest revenue and non-interest revenue as outputs. Our findings show that the average efficiency of the six Western Balkan banking systems differs, and Kosovo’s banking system has noted the highest average efficiency in the whole observed period (2016–2020). In contrast, the banking system in Bosnia and Herzegovina noted the lowest average efficiency. The COVID-19 pandemic decreased the relative efficiency of the banking sectors in all six of the Western Balkan countries observed, except Kosovo. However, additional research that includes all pandemic years is recommended to assess the impact of the COVID-19 pandemic on the banking systems in the Western Balkans. This study provides invaluable insights for academic members, banking management and regulatory bodies, governments, and the interested public. It is the first empirical study that includes a glimpse of the first impact of the COVID-19 pandemic on banking systems in the developing countries of the Western Balkans.
Keywords:banking sector, data envelopment analysis, COVID-19, Western Balkans
Publication status:Published
Publication version:Version of Record
Publication date:01.01.2023
Year of publishing:2023
Number of pages:str. 29-42
Numbering:Vol. 69, no. 1
PID:20.500.12556/DKUM-85629 New window
UDC:336.71:616-036.22
ISSN on article:0547-3101
COBISS.SI-ID:163274243 New window
DOI:10.2478/ngoe-2023-0004 New window
Publication date in DKUM:05.09.2023
Views:183
Downloads:5
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Categories:Misc.
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Record is a part of a journal

Title:Naše gospodarstvo. revija za aktualna gospodarska vprašanja
Shortened title:Naše gospod.
Publisher:Ekonomsko-poslovna fakulteta, Društvo ekonomistov Maribor, Ekonomski center Maribor
ISSN:0547-3101
COBISS.SI-ID:751364 New window

Licences

License:CC BY 4.0, Creative Commons Attribution 4.0 International
Link:http://creativecommons.org/licenses/by/4.0/
Description:This is the standard Creative Commons license that gives others maximum freedom to do what they want with the work as long as they credit the author.

Secondary language

Language:Slovenian
Title:Vpliv COVID-19 na učinkovitost bank na Zahodnem Balkanu: pristop z metodo analize ovojnice podatkov
Abstract:Namen tega prispevka je oceniti in primerjati relativno učinkovitost poslovnih bank v šestih državah v razvoju na Zahodnem Balkanu - Severni Makedoniji, Srbiji, Črni gori, Bosni in Hercegovini (B&H), Kosovu in Albaniji - z uporabo vodilne neparametrične metodologije Data Envelopment Analysis (DEA) za obdobje 2016-2020 ter preučiti vpliv pandemije COVID-19 na uspešnost njihovih bančnih sistemov. Implementiran je bil izhodno usmerjen model DEA z obrestnimi in neobrestnimi odhodki kot vhodnimi podatki ter obrestnimi in neobrestnimi prihodki kot izhodnimi podatki. Naše ugotovitve kažejo, da se povprečna učinkovitost šestih bančnih sistemov Zahodnega Balkana razlikuje, pri čemer je bila v celotnem opazovanem obdobju (2016-2020) ugotovljena najvišja povprečna učinkovitost bančnega sistema Kosova, medtem ko je bila najnižja povprečna učinkovitost ugotovljena pri bančnem sistemu Bosne in Hercegovine. Pandemija COVID-19 je zmanjšala relativno učinkovitost bančnih sektorjev v vseh šestih opazovanih državah Zahodnega Balkana, razen na Kosovu. Vendar je za oceno vpliva pandemije COVID-19 na bančne sisteme na Zahodnem Balkanu priporočljiva dodatna raziskava, ki bi vključevala vsa leta pandemije. Ta študija zagotavlja neprecenljiva spoznanja za akademike, bančne upravne in regulativne organe, vlade ter zainteresirano javnost. Gre za prvo empirično študijo, ki vključuje vpogled v prvi vpliv pandemije COVID-19 na bančne sisteme v državah v razvoju na Zahodnem Balkanu.
Keywords:bančni sektor, analiza ovojnice podatkov, COVID-19, Zahodni Balkan


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