Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2103140p
Ksenija Popović
The main topic of the paper is the accelerated digital transformation of financial institutions, which, in addition to the advantages, also brings an increased risk of cyber incidents. Cyber incidents can cause systemic damage and, therefore, building a good cyber security system goes beyond individual financial institutions. Based on a comparative analysis of the trend of public awareness about cyber-attacks, the conclusion of this paper is that, unlike developed countries, public awareness in Serbia has no continuous but occasional growth caused by individual events related to cyber-attacks. Designing a national campaign to raise public awareness about cyber security, as well as training and retaining highly qualified personnel, are two recommendations that are self-imposed after the observation and analysis of information on cyber incidents in Serbia.
{"title":"Cyber incidents connected to financial institutions","authors":"Ksenija Popović","doi":"10.5937/bankarstvo2103140p","DOIUrl":"https://doi.org/10.5937/bankarstvo2103140p","url":null,"abstract":"The main topic of the paper is the accelerated digital transformation of financial institutions, which, in addition to the advantages, also brings an increased risk of cyber incidents. Cyber incidents can cause systemic damage and, therefore, building a good cyber security system goes beyond individual financial institutions. Based on a comparative analysis of the trend of public awareness about cyber-attacks, the conclusion of this paper is that, unlike developed countries, public awareness in Serbia has no continuous but occasional growth caused by individual events related to cyber-attacks. Designing a national campaign to raise public awareness about cyber security, as well as training and retaining highly qualified personnel, are two recommendations that are self-imposed after the observation and analysis of information on cyber incidents in Serbia.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71205026","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2102034n
Maja Naumovska-Saveska, Ana Tomovska-Misoska, Krum Efremov, Ilijana Petrovska
The aim of this research is to analyze the impact of service quality on customer satisfaction in the North Macedonian banking sector. The study aims to show that customer satisfaction is based on the role and impact of service quality. We try to find out which service quality dimensions may enhance customer satisfaction in a better way in Bank Y. We examined a range of theories and concepts related to customer satisfaction, service, service quality, loyalty, SERVQUAL model and financial services. Within the investigation process, we have collected data out of 68 completely and correctly filled questionnaires. The results confirmed that there is a connection between service quality and customer satisfaction. We have found out that there are significant dimensions where banks should make improvements in order to achieve positive impressions and experience of its clients. Following, we gave a proposed strategy and instructions for action as a finalization part of this research.
{"title":"The impact of service quality and service characteristics on customer satisfaction in the North Macedonian banking sector","authors":"Maja Naumovska-Saveska, Ana Tomovska-Misoska, Krum Efremov, Ilijana Petrovska","doi":"10.5937/bankarstvo2102034n","DOIUrl":"https://doi.org/10.5937/bankarstvo2102034n","url":null,"abstract":"The aim of this research is to analyze the impact of service quality on customer satisfaction in the North Macedonian banking sector. The study aims to show that customer satisfaction is based on the role and impact of service quality. We try to find out which service quality dimensions may enhance customer satisfaction in a better way in Bank Y. We examined a range of theories and concepts related to customer satisfaction, service, service quality, loyalty, SERVQUAL model and financial services. Within the investigation process, we have collected data out of 68 completely and correctly filled questionnaires. The results confirmed that there is a connection between service quality and customer satisfaction. We have found out that there are significant dimensions where banks should make improvements in order to achieve positive impressions and experience of its clients. Following, we gave a proposed strategy and instructions for action as a finalization part of this research.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71204804","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2102064l
R. Lukić
Recently, as it is known, the evaluation of the performance (efficiency) of banks is increasingly performed on the basis of multi-criteria analysis. With this in mind, this paper analyzes the efficiency of banks in Serbia based on the EDAS method. In this context, adequate measures have been proposed to improve the efficiency of banks in Serbia in the future. The obtained results of empirical research using the given method show that the efficiency of banks in Serbia has recently significantly improved. It was the best in 2019. It was positively influenced by numerous macro and micro factors (economic climate, living standard, political stability, digitalization of business).
{"title":"Application of the EDAS method in the evaluation of bank efficiency in Serbia","authors":"R. Lukić","doi":"10.5937/bankarstvo2102064l","DOIUrl":"https://doi.org/10.5937/bankarstvo2102064l","url":null,"abstract":"Recently, as it is known, the evaluation of the performance (efficiency) of banks is increasingly performed on the basis of multi-criteria analysis. With this in mind, this paper analyzes the efficiency of banks in Serbia based on the EDAS method. In this context, adequate measures have been proposed to improve the efficiency of banks in Serbia in the future. The obtained results of empirical research using the given method show that the efficiency of banks in Serbia has recently significantly improved. It was the best in 2019. It was positively influenced by numerous macro and micro factors (economic climate, living standard, political stability, digitalization of business).","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"13 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71204813","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2104010v
Stefan Vržina
An increasing number of companies has been paying attention to tax risk in the last decade. Tax risk may arise as a result of unintentional employee mistakes when calculating tax burden, but also as a result of implementation of risky tax avoidance strategies. Research in this paper is conducted in order to study the determinants of disclosure of tax risk in banks in the Republic of Serbia. Therefore, the research captured twenty-six banks in the period between 2018 and 2020. Results show that most banks disclose information on tax risk, though they are only formal and generalized. In addition, there is identified a significant number of banks that disclose the information on tax risk in a similar manner. Logit and probit regression models showed that less profitable banks and those with lower corporate income tax burden disclose more information on tax risk. Banks that are majority domestically owned also disclose more information on tax risk. In addition, research results are robust to important changes of the research model. Research results may be of interest to many interest groups, in particular to banks' management and employees in the financial reporting sector, national tax authorities, auditors of financial statements and national bodies for accountants' certification.
{"title":"Disclosure of tax risk in financial statements: The case of banks in the Republic of Serbia","authors":"Stefan Vržina","doi":"10.5937/bankarstvo2104010v","DOIUrl":"https://doi.org/10.5937/bankarstvo2104010v","url":null,"abstract":"An increasing number of companies has been paying attention to tax risk in the last decade. Tax risk may arise as a result of unintentional employee mistakes when calculating tax burden, but also as a result of implementation of risky tax avoidance strategies. Research in this paper is conducted in order to study the determinants of disclosure of tax risk in banks in the Republic of Serbia. Therefore, the research captured twenty-six banks in the period between 2018 and 2020. Results show that most banks disclose information on tax risk, though they are only formal and generalized. In addition, there is identified a significant number of banks that disclose the information on tax risk in a similar manner. Logit and probit regression models showed that less profitable banks and those with lower corporate income tax burden disclose more information on tax risk. Banks that are majority domestically owned also disclose more information on tax risk. In addition, research results are robust to important changes of the research model. Research results may be of interest to many interest groups, in particular to banks' management and employees in the financial reporting sector, national tax authorities, auditors of financial statements and national bodies for accountants' certification.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71205030","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2104080t
Radmila Trklja, Milan Trklja, B. Dašić
The topic of this paper is introduction to the importance of the State Audit Institution, its role and competencies, organization, Code of Ethics and international cooperation. The State Audit Institution (SAI) is the supreme authority for auditing of public funds in the Republic of Serbia. It was founded in 2005pursuant to the Law on State Audit Institution. The State Audit Institution is an independent and autonomous state authority. For performance of activities within its competence, the State Audit Institution is accountable to the National Assembly of the Republic of Serbia. SAI performs the activities within its competence pursuant to the Constitution of the Republic of Serbia, Law on State Audit Institution and Rules of Procedure of the State Audit Institution which, in compliance with the Law, regulate more closely the audit procedure conducted by SAI, the manner of ensuring transparency in work, decision-making process and other issues established by the Law that are relevant for operations of SAI.
{"title":"The role of the State Audit Institution in Serbia","authors":"Radmila Trklja, Milan Trklja, B. Dašić","doi":"10.5937/bankarstvo2104080t","DOIUrl":"https://doi.org/10.5937/bankarstvo2104080t","url":null,"abstract":"The topic of this paper is introduction to the importance of the State Audit Institution, its role and competencies, organization, Code of Ethics and international cooperation. The State Audit Institution (SAI) is the supreme authority for auditing of public funds in the Republic of Serbia. It was founded in 2005pursuant to the Law on State Audit Institution. The State Audit Institution is an independent and autonomous state authority. For performance of activities within its competence, the State Audit Institution is accountable to the National Assembly of the Republic of Serbia. SAI performs the activities within its competence pursuant to the Constitution of the Republic of Serbia, Law on State Audit Institution and Rules of Procedure of the State Audit Institution which, in compliance with the Law, regulate more closely the audit procedure conducted by SAI, the manner of ensuring transparency in work, decision-making process and other issues established by the Law that are relevant for operations of SAI.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71205152","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2102114s
S. Sredojević, Dragoslava Sredojević
Sustainable Development nowadays became a dominant paradigm for both public and private sectors. Several Strategic Agendas such as European Green Deal, the 2030 Agenda for Sustainable Development and the SDGs, Climate Action and others, at their core values have a great set of actions ranging from reduction of the CO2 levels, through financing of particular projects, to the improvement of general welfare of the economies and societies. Due to the funding gap, there is a growing interest for private sector financing, particularly sustainable financing, and its role and contribution to the mentioned ultimate goals. The objective of the research is to analyze the factors and progress that have been made in setting up the framework in sustainable financing at the EU and international level. This paper will aim to identify the direction and the channels of its potential impact on the banking sector, as well as to describe ways in which this new culture is developing in the banking sector. The paper will particularly try to identify if the banking sector is proactive or reactive, by observing initiatives and projects at the international, European, and local level that have been developing for the last two decades, and based on that, to try to assess if a concept of sustainability and sustainable finance represent an evolution (upgrade of the existing culture and practice) or a revolution (new paradigm) in the banking sector.
{"title":"Sustainable finance: Evolution or revolution in the banking sector","authors":"S. Sredojević, Dragoslava Sredojević","doi":"10.5937/bankarstvo2102114s","DOIUrl":"https://doi.org/10.5937/bankarstvo2102114s","url":null,"abstract":"Sustainable Development nowadays became a dominant paradigm for both public and private sectors. Several Strategic Agendas such as European Green Deal, the 2030 Agenda for Sustainable Development and the SDGs, Climate Action and others, at their core values have a great set of actions ranging from reduction of the CO2 levels, through financing of particular projects, to the improvement of general welfare of the economies and societies. Due to the funding gap, there is a growing interest for private sector financing, particularly sustainable financing, and its role and contribution to the mentioned ultimate goals. The objective of the research is to analyze the factors and progress that have been made in setting up the framework in sustainable financing at the EU and international level. This paper will aim to identify the direction and the channels of its potential impact on the banking sector, as well as to describe ways in which this new culture is developing in the banking sector. The paper will particularly try to identify if the banking sector is proactive or reactive, by observing initiatives and projects at the international, European, and local level that have been developing for the last two decades, and based on that, to try to assess if a concept of sustainability and sustainable finance represent an evolution (upgrade of the existing culture and practice) or a revolution (new paradigm) in the banking sector.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71204433","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2102152b
Darko Bakić
Because it is implemented in a network environment, electronic banking is subject to various security risks. Therefore, in order to safely use banking services electronically, it is necessary to identify potential threats through the analysis of network infrastructure and application characteristics, as well as to respond to them by applying appropriate protection measures.
{"title":"Information protection systems in e-banking","authors":"Darko Bakić","doi":"10.5937/bankarstvo2102152b","DOIUrl":"https://doi.org/10.5937/bankarstvo2102152b","url":null,"abstract":"Because it is implemented in a network environment, electronic banking is subject to various security risks. Therefore, in order to safely use banking services electronically, it is necessary to identify potential threats through the analysis of network infrastructure and application characteristics, as well as to respond to them by applying appropriate protection measures.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"9 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71204491","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2103073b
Valentina Bošnjak, Džafer Alibegović
Research of the relationship between the structure of sources of financing and the value of the company are numerous in developed markets and for non-financial companies. However, in the markets of developing countries, and especially in the banking sector, the range of research is much narrower. In this paper, we investigate the existence, direction and intensity of the relationship between capital structure and profitability of banks in the Federation of B&H. The entire population of banks in the Federation of B&H, in the period from 2009-2018, served as a sample. As independent variables, parameters of the structure of financing sources, we chose the debt-to-assets ratio, and debt-to-equity ratio, and as dependent variables, bank value indicators, we took profitability measures, i.e., ROA, ROE, and the net profit margin. In addition to the variables that describe the capital structure, the relationship of which is the topic of this paper, as control variables we used additional variables specific to banks, which describe the bank's liquidity, credit risk exposure, operating cost management, size, and market share. The impact of the macroeconomic environment is observed through the assessment of inflation and gross national income per capita, which indicate the direction of the economic cycle for a given year. The results of the research testify to the weak connection between the structure of sources of financing and return on assets, i.e., the negative connection between financial leverage and return on capital. This outcome first relativizes the significance of Modigliani-Miller's position on the irrelevance of capital structure, and then raises the question of the validity of traditional theory. The establishment and management of the capital structure of local banks can only be explained by the pecking order theory.
{"title":"Impact of capital structure on bank profitability in the Federation of Bosnia and Herzegovina","authors":"Valentina Bošnjak, Džafer Alibegović","doi":"10.5937/bankarstvo2103073b","DOIUrl":"https://doi.org/10.5937/bankarstvo2103073b","url":null,"abstract":"Research of the relationship between the structure of sources of financing and the value of the company are numerous in developed markets and for non-financial companies. However, in the markets of developing countries, and especially in the banking sector, the range of research is much narrower. In this paper, we investigate the existence, direction and intensity of the relationship between capital structure and profitability of banks in the Federation of B&H. The entire population of banks in the Federation of B&H, in the period from 2009-2018, served as a sample. As independent variables, parameters of the structure of financing sources, we chose the debt-to-assets ratio, and debt-to-equity ratio, and as dependent variables, bank value indicators, we took profitability measures, i.e., ROA, ROE, and the net profit margin. In addition to the variables that describe the capital structure, the relationship of which is the topic of this paper, as control variables we used additional variables specific to banks, which describe the bank's liquidity, credit risk exposure, operating cost management, size, and market share. The impact of the macroeconomic environment is observed through the assessment of inflation and gross national income per capita, which indicate the direction of the economic cycle for a given year. The results of the research testify to the weak connection between the structure of sources of financing and return on assets, i.e., the negative connection between financial leverage and return on capital. This outcome first relativizes the significance of Modigliani-Miller's position on the irrelevance of capital structure, and then raises the question of the validity of traditional theory. The establishment and management of the capital structure of local banks can only be explained by the pecking order theory.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71205009","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2103008z
A. Živković
Inflation rate is one of the essential macroeconomics variables and it represents the main goal of monetary policy. It is determined by a great number of factors, so it is necessary to analyse the impact their changes have on inflation rate. The purpose of this research is the analysis of the nominal exchange rate pass-through effect on inflation rate in selected emerging and developed countries in the period 2014-2020, which share the same characteristics of inflation targeting, as main monetary policy regime, and managed floating exchange rate, as exchange rate type. Inverse proportion between volatility of nominal exchange rate and inflation rate is proven (depreciation of nominal exchange rate of national currency leads towards the growth of inflation rate), as well as higher pass-through effect in emerging countries compared to developed countries.
{"title":"Analysis of nominal exchange rate pass-through effect on inflation rate in selected countries","authors":"A. Živković","doi":"10.5937/bankarstvo2103008z","DOIUrl":"https://doi.org/10.5937/bankarstvo2103008z","url":null,"abstract":"Inflation rate is one of the essential macroeconomics variables and it represents the main goal of monetary policy. It is determined by a great number of factors, so it is necessary to analyse the impact their changes have on inflation rate. The purpose of this research is the analysis of the nominal exchange rate pass-through effect on inflation rate in selected emerging and developed countries in the period 2014-2020, which share the same characteristics of inflation targeting, as main monetary policy regime, and managed floating exchange rate, as exchange rate type. Inverse proportion between volatility of nominal exchange rate and inflation rate is proven (depreciation of nominal exchange rate of national currency leads towards the growth of inflation rate), as well as higher pass-through effect in emerging countries compared to developed countries.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71204511","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-01-01DOI: 10.5937/bankarstvo2103109m
Vesna Martin
Central Bank digital currencies are a digital challenge to the international monetary and financial system. Since the development of cryptocurrency, such as bitcoin, the modern world has faced the possibility of digital technological transformation and providing a digital form of payment for the economy and the household. In addition, the announcement of a digital currency that would have a global reach, such as the Libre issued by the social network Facebook, raised questions about legal and regulatory safeguards, financial stability, and the role of the digital currency in society. All this influenced the leading central banks to recognize the need to conduct a detailed analysis of the possibilities of issuing digital currency of the central bank, which would be a supplement to the cash and non-cash form of payment. These analyzes include considering the advantages and disadvantages of that currency, determining its design and technological solution, as well as the necessary regulatory adjustments. In the coming period, we will witness a technological transformation in the operations of central banks, which, as before, should take care of preserving price and financial stability as its main goals, but also respond to new challenges of digital business.
{"title":"Central Bank digital currencies","authors":"Vesna Martin","doi":"10.5937/bankarstvo2103109m","DOIUrl":"https://doi.org/10.5937/bankarstvo2103109m","url":null,"abstract":"Central Bank digital currencies are a digital challenge to the international monetary and financial system. Since the development of cryptocurrency, such as bitcoin, the modern world has faced the possibility of digital technological transformation and providing a digital form of payment for the economy and the household. In addition, the announcement of a digital currency that would have a global reach, such as the Libre issued by the social network Facebook, raised questions about legal and regulatory safeguards, financial stability, and the role of the digital currency in society. All this influenced the leading central banks to recognize the need to conduct a detailed analysis of the possibilities of issuing digital currency of the central bank, which would be a supplement to the cash and non-cash form of payment. These analyzes include considering the advantages and disadvantages of that currency, determining its design and technological solution, as well as the necessary regulatory adjustments. In the coming period, we will witness a technological transformation in the operations of central banks, which, as before, should take care of preserving price and financial stability as its main goals, but also respond to new challenges of digital business.","PeriodicalId":53365,"journal":{"name":"Bankarstvo","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"71205020","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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