Acta academica karviniensia 2018, 18(2):16-25 | DOI: 10.25142/aak.2018.010

Vliv příslušnosti k finanční skupině na likviditu a solventnost bank ve Visegrádských zemích

Pavla Klepková Vodová

Silesian University, School of Business Administration, Univerzitní nám. 1934/3, 733 40 Karviná

The aim of this paper is to evaluate the liquidity and solvency of commercial banks in the Visegrad countries during the 2000-2016 period and to determine whether banks that belong to a financial conglomerate are more or less liquid and solvent than other banks in the sector. We used four liquidity ratios and one solvency ratio and compared the value of these ratios of banks with the median values in each banking sector. We will focus on banks from five financial conglomerates: Erste Group, KBC Group, Raiffeisen Bank International AG, Société Générale Group and UniCredit Group. All banks that belong to a financial conglomerate in Hungary are more solvent and mostly more liquid than other banks in the Hungarian banking sector. Banks from all analyzed groups held a higher buffer of liquid assets and mostly focus less on providing loans to non-bank customers. As the other results are mixed (for individual financial groups, individual countries, individual financial ratios), we cannot confirm that banks in a financial conglomerate are more or less liquid and solvent than other banks in the banking sector.

Klíčová slova: banking sector, financial conglomerate, financial ratio, liquidity, solvency, Visegrad countries

JEL classification: G21, G32

Vloženo: 30. prosinec 2017; Revidováno: 18. leden 2018; Přijato: 13. červen 2018; Zveřejněno: 30. červen 2018  Zobrazit citaci