In this paper, the subject of analysis is influence of certain macroeconomic and microeconomic variables on bank net interest margins in Bosnia and Herzegovina (BH) for the period from 2008 to 2013 through a multiple linear regression models. The level and dynamics of NIM indicate the efficiency of financial intermediation. The observed period is characterized by the reduction in net interest margins of banks over the previous decade, which was characterized by high GDP growth, bank loans and high-interest rates and high profitability. Therefore, this study examines the factors that affect the level of net interest margins in the domestic banking industry. The main objective of this paper is to determine whether there is interdependence in the movement between the independent and dependent variables through a multiple linear regression. The net interest margin will be observed as a dependent variable, and liquidity risk, operating costs, credit risk, the index of market concentration, funding risk, the growth rate of gross domestic product and consumer price index will be used as independent variables. Key words: net interest margin, efficiency of financial intermediation, interest rate spread, banks operating costs. Determinante neto kamatnih margina za banke u BiH Rezime: Predmet istraživanja u ovom radu je analiza uticaja pojedinih makro ekonomskih i mikroekonomskih varijabli na neto kamatne margine banaka uBosni i Hercegoviniza period od 2008 do 2013., uz primenu modela višestruke linearne regresije. Nivo i dinamika neto kamatnih margina ukazuju na efikasnost u finansijskom posredovanju. Posmatrani period karakteriše smanje nje neto kamatnih margina banaka u odnosu na raniji period koji je bio karakterističan po visokom rastu bruto domaćeg proizvoda, bankarskih kredita, kamatnih stopa i visoke profitabilnosti. Stoga, ovo istraživanje ispituje faktore koji utiču na nivo neto kamatnih margina u domaćem bankarskom sektoru. Osnovni cilj ovog istraživanja je da se utvrdi da li postoji međuzavisnost u kretanju između nezavisnih I zavisnih varijabli kroz primenu modela višestruke linearne regresije. U ovom istraživanju neto kamatna margina će se posmatrati kao zavisna varijabla, a rizik likvidnosti, operativni troškovi, kreditni rizik, indeks tržišne koncentracije, rizik finansiranja, stopa rasta BDP-.a iindeks potrošačkih cijena će se posmatrati kao nezavisne varijable.Ključne reči: neto kamatne margine, efikasno finansijsko posredovanje, kamatni spread, operativni troškovi banaka.

Non-financial sector in B&H and the companies due to lack of its own funds for sustainable growth rely on financing its operations through bank loans. The dominant share of lending to banks in B&H is

The phenomenon of financial stability has gained importance as monetary and fiscal policies aiming at price stability in the global crises are not sufficient to prevent financial crises. After 2007 global crisis, the importance of bank stability better understood. This paper investigates the determinant of bank stability in selected Balkan countries and Turkey. For this aim, we used to Z-score and NPL as dependent variables. We used bank performance, financial structure and macro variables as independent variables. According to ANOVA test and regression analysis, the strongest correlation between non-performing loans as the dependent variable of the Western and some EU Member countries (Bosnia and Herzegovina,

It is always a problem to choose one or more indicators or to construct a model that reflects the achieved operating result. Companies all over the world have developed numerous models assessing excellence from various aspects in order to estimate the achieved operating result or overall business excellence. Applying most of the models requires data and estimation that are not available to investors. BEX model is primarily designed to assess business excellence enterprises in the capital market in Croatia. It is also possible to apply this model to all the other similar markets. This paper will be focused more on the possibility of applying the mentioned model in the capital market of Bosnia and Hercegovina., that is, to the most successful companies listed on the Sarajevo Stock Exchange but being a part of SASX-10 index, and those listed on the Banja Luka Stock Exchange entering BIRS index.

This research includes all banks in Bosnia and Herzegovina (B&H) and testing internal and external variables on bank profitability indicators. The primary goal of this paper is to determine, through correlation and regression analysis, the strength and significance of the external and internal variables on bank profitability in Bosnia and Herzegovina. Likewise, data were collected from quarterly reports of the Banking Agency of the Federation of B&H and the Banking Agency of the Republika Srpska for the period 2008 Q1 to 2019 Q4. The following dependent variables were used: ROA, ROE and independent variables: GRNGL, GRNPL, GRGDP, concentration ratio of loans of the largest banks in the system (CR Loans), concentration ratio of deposits of the largest banks in the system (CR Deposits), CAR and loan-to-deposit ratio. The study found that there is a significant statistical impact of the variables on ROA and ROE. In addition, this study points out the need for banks to properly select debtors, and control costs, toxic loans and provisions in order to increase profits and reduce costs.