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Analiza učinkovitosti hrvatskih banaka pomoću višekriterijskog programiranja

  • Miroslav Vučković

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    Banke su često podložne raznim analizama njihove učinkovitosti, no te analize su u većini slučajeva nedovoljno kompleksne s obzirom da promatraju samo jedan pokazatelj učinkovitosti ili više njih, no odvojeno. To stvara probleme korisnicima informacija koje proizlaze iz takvih analiza, pošto nisu sigurni koji od pokazatelja je najrelevantniji. Nadalje, teško je ustvrditi koji od pokazatelja je više ili manje relevantan jer to ovisi u koje svrhe se informacije dobivene analizom koriste. Upravo iz tog razloga kao bolje rješenje se nameće provođenje analize učinkovitosti koja istovremeno promatra više pokazatelja zajedno. Dobra tehnika za to jest matematička metoda višekriterijskog programiranja, koja osim zajedničkog promatranja više pokazatelja učinkovitosti ujedno i omogućuje da različiti pokazatelji imaju različit utjecaj na određeni cilj kroz pristup dodjeljivanja težina. Stoga je cilj ovoga rada analiza učinkovitosti hrvatskih banaka pomoću višekriterijskog programiranja, pri čemu se učinkovitost odnosi na profitabilnost. U analizi se koriste tri pokazatelja profitabilnosti: profitabilnost ukupne imovine (ROA), profitabilnost vlasničke glavnice (ROE) i bruto profitna marža. Krajnji rezultat analize je rang hrvatskih banaka na temelju višekriterijske učinkovitosti koja se sastoji od tri prethodno navedena pokazatelja profitabilnosti. Prema provedenoj analizi, najučinkovitija, to jest, najprofitabilnija hrvatska banka jest Štedbanka, a u stopu je prate Erste&Steiermärkische Bank i Međimurska Banka, dok su dvije najveće hrvatske banke – Privredna Banka Zagreb i Zagrebačka Banka – pozicionirane kao peta i kao sedma po učinkovitosti.

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    File URL: http://web.efzg.hr/repec/pdf/Clanak%2010-07.pdf
    File Function: First version, 2010
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    Paper provided by Faculty of Economics and Business, University of Zagreb in its series EFZG Working Papers Series with number 1007.

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    Length: 16
    Date of creation: 13 Nov 2010
    Date of revision:
    Handle: RePEc:zag:wpaper:1007
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