rilind ademi

In this paper we provide an overview of banking sector reforms in the transition economies of eight Southeast European (SEE) countries. We discuss certain macroeconomic and financial sector indicators of SEE countries leading up to the Global Financial Crisis and immediately after. We benchmark these indicators with Central Eastern European and EU 15 countries in order to identify financial development gaps and areas for improvement. This paper is intended to contribute to the discussion on the economic convergence of EU and new or potential EU member states and the degree to which reforms have contributed to a sound financial sector which will in turn fund a sustainable growth and ensure a successful EU integration. 

The banking sector in developing countries constitutes almost all under the financial system and as such is of particular importance to analyze the core functions; transfer of funds from that deposit agents to agents who borrow for their investment projects. Indeed, this function has taken a multidimensional form where suction and discharge wings of funds have changed. In Macedonia "traditional source" of the creation of bank funds remain deposits, who present at the level of 4.2 billion euros, or represent about 70% of total bank liabilities, and on the other hand loans amounts to 3.2 billion euros or 55% of total banking assets. From this relation stands out that part of bank capital oriented for investment in financial instruments which amount to 1.1 billion euros or 18% of total banking assets. This paper aims to study these phenomena in the banking market in Macedonia, wanting to shine the reason of these relations bank investments in the country, to make comparisons ...

The banking sector constitutes nearly the whole financial system in South East Europe and Central East Europe and as such is vital for the placement of loans in the economy.The period before the global financial crisis recorded high growth in loan, averaging 30% per year during 2004 to 2008.The period during and after the crisis recorded significant falls in loan rates, generally from reductions in funding from abroad and which before the crisis were abundant.This paper aims to examine loan rates in both periods, comparing the potential determinants of credit in the private sector. We also attempt to answer whether there was excess lending before the crisis and in addition deficient lending during and after the crisis.

The global financial crisis terminated lending growth rates in CESEE countries, and seven years after financial global crisis, bank credit still continues with depression rate.  Demand and supply for bank credit are contracted, as a results of various factors. The paper tries to find the level of credit contraction and factors that may have affected it, as well as policy action which are being taken to improve bank performance. Economic activity on the other hand, despite the depressed credit growth rates seem to show a trend of regeneration. This phenomenon of increasing economic activity without the support of the loan seems is happening in this post-crisis period in CESEE countries, although we must say that it remains undesirable phenomenon.