AKTUELNA FINANSIJSKA KRIZA I POSLOVNE PERSPEKTIVE GRČKIH BANAKA U SRBIJI. (Serbian)

RECENT FINANCIAL CRISIS AND BUSINESS PERSPECTIVE OF GREEK BANK SUBSIDIARIES IN SERBIA. (English)

Greece was one of the Eurozone countries that was hit the hardest by the crisis and there is a real threat that the risk overflow from the Greece home markets could have negative consequences on the activities of their subsidiaries in Serbia since they account for 14% of total assets of the banking sector in Serbia. The initial reasons for entering the Serbian market were versatile, the most important ones being the high interest margins, untapped debt potential of the corporate and retail sectors and a search for new clients. The data about the performance of Greek bank subsidiaries are mixed. The ROAA and ROAE data show that they are below average, but had a positive trend before the crisis. On the other hand, the data on the net interest margin (NIM) show that before crisis the Greek subsidiaries had NIM above the industry average. After the crisis, the NIM decreased, but most of the banks are still above the average. Negative profitability figures mean that a bank is unable to generate income (net interest income or other operating income) to the level necessary to cover the expenses, even though the NIM of Greek bank subsidiaries is above the banking sector average. [ABSTRACT FROM AUTHOR]

Grčka je jedna od država najteže pogođenih krizom u evrozoni, pri čemu je i dalje prisutan rizik da se krizne tendencije sa tržišta porekla kapitala (Grčke) preliju i negativno utiču na poslovnu aktivnost banaka koje u Srbiji posluju sa većinskim grčkim kapitalom, s obzirom da se na ove banke odnosi 14 % bilansne sume bankarskog sektora Srbije. U momentu ulaska na tržište Srbije grčke banke su se rukovodile različitim motivima, a kao najznačajniji su se potvrdili visoka kamatna marža, neiskorišćen dužnički potencijal privrede i stanovništva i potraga za novim klijentima. Podaci o performansama banaka sa grčkim kapitalom su “mešoviti”. Podaci o ROAA i ROAE su ispod proseka za bankarski sektor, ali su postojano pozitivni u periodu koji prethodi krizi. S druge strane, pre krize podaci o neto kamatnoj marži (NIM) pokazuju stanje bolje od proseka za sektor. Nakon izbijanja krize NIM beleži pad, ali je većina banaka i dalje iznad proseka za bankarski sektor. Negativne vrednosti indikatora profitabilnosti znače da banka nije u stanju da ostvaruje prihode na nivou koji je dovoljan da pokrije rashode (dohodak po osnovu kamata i ostali dohodak iz poslovanja), iako je neto kamatna marža (NIM) grčkih banaka koje posluju u Srbiji iznad proseka bankarskog sektora. [ABSTRACT FROM AUTHOR]

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