Analýza a komparace vybraných ukazatelů bankovních sektorů Portugalska, Španělska a Itálie před a po přijetí pravidel Basel III

In reaction to the financial crisis, the capital standards Basel II was found unsuitable and, in accordance with concept of banking union, there was issued an updated version, Basel III. Basel III sets capital adequacy at a higher level than Basel II. The aim of the master‘s thesis is to analyze the structure of individual banking sectors as well as the development of profitability over time, then to indicate the determinants of profitability of the national banking sectors. The thesis introduces the concept of the banking union as well as its three pillars: Single Rulebook, Single Supervisory Mechanism and Single Resolution Mechanism. The thesis introduces Basel III, capital adequacy standards and selected indicators of banking sectors in logical sequence. Comparative analysis reveals certain heterogenities in individual banking sectors. The analysis of the profitability of the national banking sectors results in the definition of the potential indicators of the profitability of the banking sectors, which are compared to the reality of ROA and ROE. These results are then confronted with the cost-side of the banking sectors. Based on the analyzes, it is not possible to claim that the only reason for changed level of profitability of banking sectors after the financial crisis, is increased capital requirements standards. The analysis also reveals the existence of some heterogenities in discussed sectors.