20.500.12556/DKUM-85629-164dce20-f70e-270c-d4e6-72a5938fa626 The impact of COVID-19 on bank efficiency in the Western Balkans a DEA approach Vpliv COVID-19 na učinkovitost bank na Zahodnem Balkanu pristop z metodo analize ovojnice podatkov This paper aims to assess and compare the relative efficiency of commercial banks in six Western Balkan developing countries (North Macedonia, Serbia, Montenegro, Bosnia and Herzegovina (B&H), Kosovo1, and Albania), using the leading nonparametric methodology Data Envelopment Analysis (DEA) for the period 2016-2020, and investigating the impact of the COVID-19 pandemics on the performance of banking systems in these countries. The outputoriented DEA model has been implemented with interest expenses and noninterest expenses as inputs and interest revenue and non-interest revenue as outputs. Our findings show that the average efficiency of the six Western Balkan banking systems differs, and Kosovo’s banking system has noted the highest average efficiency in the whole observed period (2016–2020). In contrast, the banking system in Bosnia and Herzegovina noted the lowest average efficiency. The COVID-19 pandemic decreased the relative efficiency of the banking sectors in all six of the Western Balkan countries observed, except Kosovo. However, additional research that includes all pandemic years is recommended to assess the impact of the COVID-19 pandemic on the banking systems in the Western Balkans. This study provides invaluable insights for academic members, banking management and regulatory bodies, governments, and the interested public. It is the first empirical study that includes a glimpse of the first impact of the COVID-19 pandemic on banking systems in the developing countries of the Western Balkans. Namen tega prispevka je oceniti in primerjati relativno učinkovitost poslovnih bank v šestih državah v razvoju na Zahodnem Balkanu - Severni Makedoniji, Srbiji, Črni gori, Bosni in Hercegovini (B&H), Kosovu in Albaniji - z uporabo vodilne neparametrične metodologije Data Envelopment Analysis (DEA) za obdobje 2016-2020 ter preučiti vpliv pandemije COVID-19 na uspešnost njihovih bančnih sistemov. Implementiran je bil izhodno usmerjen model DEA z obrestnimi in neobrestnimi odhodki kot vhodnimi podatki ter obrestnimi in neobrestnimi prihodki kot izhodnimi podatki. Naše ugotovitve kažejo, da se povprečna učinkovitost šestih bančnih sistemov Zahodnega Balkana razlikuje, pri čemer je bila v celotnem opazovanem obdobju (2016-2020) ugotovljena najvišja povprečna učinkovitost bančnega sistema Kosova, medtem ko je bila najnižja povprečna učinkovitost ugotovljena pri bančnem sistemu Bosne in Hercegovine. Pandemija COVID-19 je zmanjšala relativno učinkovitost bančnih sektorjev v vseh šestih opazovanih državah Zahodnega Balkana, razen na Kosovu. Vendar je za oceno vpliva pandemije COVID-19 na bančne sisteme na Zahodnem Balkanu priporočljiva dodatna raziskava, ki bi vključevala vsa leta pandemije. Ta študija zagotavlja neprecenljiva spoznanja za akademike, bančne upravne in regulativne organe, vlade ter zainteresirano javnost. Gre za prvo empirično študijo, ki vključuje vpogled v prvi vpliv pandemije COVID-19 na bančne sisteme v državah v razvoju na Zahodnem Balkanu. banking sector data envelopment analysis COVID-19 Western Balkans bančni sektor analiza ovojnice podatkov COVID-19 Zahodni Balkan true false true Angleški jezik Slovenski jezik Znanstveno delo 2023-09-05 09:56:44 2023-09-05 09:56:44 2025-06-06 03:06:10 0000-00-00 00:00:00 2023 0 0 str. 29-42 no. 1 Vol. 69 2023 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 2023-04-05 336.71:616-036.22 163274243 10.2478/ngoe-2023-0004 0547-3101 https://journals.um.si/index.php/oe/article/view/2703 1 cd238c13-4216-11f0-9cf0-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=191831 https://journals.um.si/index.php/oe/article/view/2703 1 c2aa1ae5-4bc1-11ee-9b29-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=171450 Ekonomsko-poslovna fakulteta Naše gospodarstvo 0 0 0