engleski

Banking business indicators in Croatian economic surroundings

In European and developing countries banks are dominant financial institutions in the process of financial intermediation, especially seen on smaller, less developed territorial counties. The paper analyses banking indicators according to counties in Croatia and compares them with indicators of economic development in each county. Recent data on mentioned variables have been collected from official sources and analysed using exploratory data analysis tools for outliers detection, various concentration indicators and using correlation and cluster analysis. The findings in this paper reveal high values for certain indicators in bank business for certain counties in Croatia and relatively significant concentration for most indicators. Clusters of similar counties are recognised after a multivariate cluster analysis was applied. The research results gained might be a useful tool for government structures in forming regional policies, as well as for financial institutions, primarily banks, in shaping market approach and re- examining market potential of a particular county. In the analysis conducted, the position of County of Osijek-Baranja has been stressed out.

banking intermediation; economic surroundings; concentration measures; cluster analysis; dendrogram; County of Osijek-Baranja

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