Download 345 345 Dr. Meta Ahtik Information Asymmetry in Banking of

SINOPSISI / SYNOPSES
14/3
UDC 336.71:061.1EU
ZBORNIK ZNANSTVENIH RAZPRAV – VOLUME LXX, 2010, PP. 7–40
Dr. Meta Ahtik
Information Asymmetry in Banking of Slovenia and other
EU Members
Presence of information asymmetry and other market failures is one of basic
reasons for existence of financial intermediaries. Their presence reduces the level
of market imperfections, although it cannot eliminate it. Banks have to deal with
problems connected to information asymmetry in relationship with their debtors as well as with their creditors and shareholders. Structure of their assets represents an outcome of selection and monitoring procedure of their investment,
which also determines the preparedness of their creditors and equity providers
to entrust them with funds. Article looks into banking sector characteristics,
such as average bank size, banking network, bank ownership, liquidity, capitalization, profitability in order to assess presence of information asymmetry in
Slovenian as compared with European Union and euro area banking sectors.
Key words: information asymmetry, banking, banking sector characteristics,
Slovenia, European Union, bank size, ownership, loans, deposits, liquidity, profitability, collateral
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