Ljube, Jolevski and Snezana, Dicevska (2026) Analysis of Business Models and Their Stability in the Banking Sectors of the Western Balkan Countries. In: 11th International Scientific Conference ERAZ 2025, June 5, 2025, Barcelona, Spain.
Full text not available from this repository.Abstract
The paper aims to identify the business models of banks in Western Balkan countries and to determine the factors that affect their stability, measured by the Z-index. Using cluster analysis, two business models are identified for a sample of 76 banks, which account for 86% of total assets: banks more focused on corporate lending and retail banks. Retail banks show higher profitability and a lower level of risk compared to corporate banks.
By applying the fixed effects model, the authors conclude that the size of banks' assets and the non-performing loans indicator are statistically significant for stability in the entire sample. The non-performing loans indicator is a statistically significant variable in the assessment of the stability for retail banks, while the level of riskiness, calculated as the share of credit risk-weighted assets in total assets, is significant for the stability of corporate banks.
| Item Type: | Conference or Workshop Item (Paper) |
|---|---|
| Subjects: | Scientific Fields (Frascati) > Social Sciences > Economics and Business |
| Divisions: | Faculty of Tourism and Hospitality |
| Depositing User: | Prof. d-r Snezana Dicevska |
| Date Deposited: | 19 Oct 2026 09:46 |
| Last Modified: | 19 Oct 2026 09:46 |
| URI: | https://eprints.uklo.edu.mk/id/eprint/11921 |
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