Pregledni naučni rad
Primljen: 10.11.2016 UDK: 336 (497.6)
FINANSIJSKA STABILNOST BANKARSKOG SEKTORA U BIH
FINANCIAL STABILITY OF BANKING SECTOR IN BiH
Merjem Zolota, MA menadžmenta
merjemzolota@gmail.com
Emina Zolota, MA uprave
eminazolota@yahoo.com
Sažetak
Pitanje postizanja i očuvanja finansijske stabilnosti jedno je od ključnih nakon svjetske finansijske krize. Stručnjaci su usmjereni na istraživanje metoda i instrumenata kojima se mogu predupriječiti nove krizne situacije. Indikatori finansijskog zdravlja banaka predstavljaju koristan alat i pomoć u procjeni stanja bankarskog sektora. U ovom radu se analiziraju efekti koje ovi indikatori mogu imati na finansijsku stabilnost, sa posebnim usmjerenjem na bankarski sektor Bosne i Hercegovine. U tu svrhu korištene su različite naučne metode, te dostupni podaci o osnovnom setu indikatora finansijskog zdravlja relevantnih državnih institucija, agencija, te Centralne banke BiH. Rezultati su pokazali da je prema indikatorima bankarski sektor Bosne i Hercegovine stabilan, ali da treba obratiti pažnju na nivo nekvalitetnih kredita, i s njim povezani kreditni rizik, kao i ostale faktore unutar države i u okruženju, koji imaju značajan uticaj na finansijsku stabilnost.
Ključne riječi: finansijska stabilnost, indikatori finansijskog zdravlja, rizik, bankarstvo.
Summary
The question of achieving and maintaining financial stability is one of the main questions after the global financial crisis. Experts are focused on researches on methods and instruments which could prevent new unstable situations. Financial soundness indicators represent very useful tool and help in assessing the state of the banking sector. Relating to that, aim of this research is to investigate possible effects those indicators could have on financial stability, with a special focus on banking sector of Bosnia and Herzegovina. In that purpose different scientific methods were used, including data on the main set of financial soundness indicators related to relevant state institutions, agencies and the Central Bank of Bosnia and Herzegovina. The results show that according to indicators banking, sector of Bosnia and Herzegovina is stable, but it should pay attention to the level of non-performing loans and the associated credit risk, as well as other factors within the country and in the region which have a significant impact on financial stability.
Key words: financial stability, financial soundness indicators, risk, banking.