Rentowność banków w Polsce w okresie globalnego kryzysu finansowego i kryzysu zadłużenia w strefie euro

• Authors: Pawłowska Małgorzata

Title variants

EN

Profitability of banks in Poland during the Global Financial Crisis and Eurozone Debt Crisis

Abstracts

PL

Celem artykułu jest odpowiedź na pytanie, czy były różnice w determinantach rentowności banków komercyjnych w Polsce ze względu na inwestorów zagranicznych lub krajowych w czasie trwania globalnego kryzysu finansowego i kryzysu zadłużenia w strefie euro. Wyniki analiz wykazały różnice w determinantach rentowności pomiędzy bankami z inwestorami krajowymi i zagranicznymi. Badając zmienne mikroekonomiczne wykazano, że wielkość kapitałów oraz kredytów walutowych była negatywnie skorelowana z rentownością banków z większościowym udziałem inwestorów krajowych. Stwierdzono również dodatnią korelację pomiędzy udziałem kredytów w aktywach ogółem a rentownością banków z udziałem kapitału zagranicznego. Duże banki z udziałem kapitału zagranicznego były bardziej rentowne niż małe banki.

EN

The aim of this study is to find response to the question whether there were differences of the determinants of profitability between banks dependent on foreign and domestic investors in Poland during the Global Financial Crisis and Eurozone Debt Crisis. The results of the analyses showed differences of determinants of the performance between banks dependent on foreign and domestic investors. Amongst the differences in microeconomic variables, the study found that, on the one hand, the amount of capital and foreign currency loans were negatively correlated with the profitability of domestic banks. On the other hand, this paper found a positive correlation between the share of loans in total assets and the profitability of banks with a majority share of domestic investors. Large banks dependent on foreign investors were more profitable than small banks.

Keywords

PL

rentowność banku; banki zagraniczne; banki krajowe; kryzys finansowy

EN

bank profitability; foreign banks; domestic banks; financial crisis

• Publisher: Bankowy Fundusz Gwarancyjny
• Journal: Bezpieczny Bank
• Year: 2017
• Issue: 2 (67)
• Pages: 75-96

Contributors

author

Pawłowska Małgorzata

• Katedra Teorii Systemów Ekonomicznych, Szkoła Główna Handlowa

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Identifiers

ISSN

1429-2939