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Full-Text Articles in Business
Contemporary Trends In Banking, Bashkim Nuredini, Muhamet Gërvalla
Contemporary Trends In Banking, Bashkim Nuredini, Muhamet Gërvalla
UBT International Conference
Over the recent decades, serious changes occurred in the economic, technological and social development, having reflected on banking operations. Changes ensuing today in the field of banking are of utmost significance. Banks are becoming multifunctional or in a certain fashion, are becoming genuine department stores of modern age. The globalization of financial and banking flows is realized by conceiving a new banking concept, due to bank adjustment to the new conditions of management. The traditional bank role has been evidently altered, hence banks in present-day conditions, apart from the standard banking operations, conduct a major number of unconventional banking operations, …
The Determinants Of Bank Interest Rate Margins: A Panel Approach For Some Balkan Countries, Fidane Spahija Gjikolli
The Determinants Of Bank Interest Rate Margins: A Panel Approach For Some Balkan Countries, Fidane Spahija Gjikolli
UBT International Conference
Studying interest rates has always been in focus of researches. Loans are the main source of funds for businesses and individuals, especially in the Balkan countries. The main problem is that high interest rate margins can indicate many factors, such as: The informal economy, problems with the cadaster system, an ineffective job of courts, the inability of Central Banks to inject liquidity, weaknesses in the quality of financial reporting of businesses, non-performing loans. It looks like all these problems are in favor of banks, by maximizing their profit. It is well known that the intermediary role of bank is to …