KLEPKOVÁ VODOVÁ, Pavla. Effects of affilitation with the financial conglomerate on bank liquidity and solvency in the Visegrad countries. Acta academica karviniensia. 2018, vol. 18, No 2, p. 16-25, 9 pp. ISSN 1212-415X.
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Basic information
Original name Effects of affilitation with the financial conglomerate on bank liquidity and solvency in the Visegrad countries
Authors KLEPKOVÁ VODOVÁ, Pavla (203 Czech Republic, guarantor, belonging to the institution).
Edition Acta academica karviniensia, 2018, 1212-415X.
Other information
Original language English
Type of outcome Article in a journal
Field of Study 50206 Finance
Country of publisher Czech Republic
Confidentiality degree is not subject to a state or trade secret
WWW URL
RIV identification code RIV/47813059:19520/18:00011170
Organization unit School of Business Administration in Karvina
Keywords in English banking sector; financial conglomerate; financial ratio; liquidity; solvency; Visegrad countries
Links GA16-17796S, research and development project.
Changed by Changed by: RNDr. Daniel Jakubík, učo 139797. Changed: 7/2/2020 10:56.
Abstract
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.
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