“…The internal factors usually include: total balance sum representing the size of banks (see Vodová, 2011a;2011b;2012;2013;Bonfi m & Kim, 2013;Bunda & Desquilbet, 2008;Cucinelli, 2013), which authors often associate with a concept known as "too big to fail" and evaluate the relationship as negative; profi t value (before or after tax) (see Hackethal et al, 2010;Bonfi m & Kim, 2013) with negative infl uence; the value of equity (authors often study this factor separately, see Berger & Bouwman, 2009;Fungáčová, Weill, & Zhou, 2010;Distinguin, Roulet, & Tarazi, 2013 etc. ), where authors lean more towards a negative relationship while also noting that the type and the size of banks plays a vital role; size of loans (see Vodová, 2011a;2011b;2012;2013;Hackethal et al, 2010;Bonfi m & Kim, 2013;Cucinelli, 2013;Lakštutiene & Krušinskas, 2010) with negative infl uence; or the value of deposits (Lakštutiene & Krušinskas, 2010) with positive infl uence. The factors used are expressed differently by various authors, as for example equity as the value of total equity, value of only Tier 1 capital, or equity expressed as a ratio to the total value of assets; similar differences occur in other factors as well.…”