20.500.12556/RUL-179699 Development banks distinctiveness and heterogeneity of financial performance This paper offers a comprehensive analysis of financial performance of development banks encompassing profitability, cost efficiency, liquidity, loan quality, loan loss provisioning and capital adequacy. We examine differences in financial performance between development banks and commercial financial institutions and extend the analysis to study the relationship between financial performance and heterogeneity within the development banking sector. Heterogeneity in bank size, operational focus, level of ownership and geographical scope of operation are shown to be associated with financial performance of development banks. Moreover, there are notable differences based on their specific mandates. Development banks following narrow mandates tend to have lower cost efficiency indicators and experience lower loan quality, provisioning adequacy and capital adequacy compared to their broadly mandated counterparts. banks finance sustainability development banks socio-economic development financial performance sustainable banking development finance banke finance trajnostna uspešnost true false true Angleški jezik Slovenski jezik Članek v reviji 2026-02-20 13:48:16 2026-02-20 13:50:20 2026-02-21 04:40:48 0000-00-00 00:00:00 2025 0 0 40 str. iss. 104716 Vol. 104 Dec. 2025 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 338:336 1059-0560 10.1016/j.iref.2025.104716 256078851 1-s2.0-S1059056025008792-main.pdf 1-s2.0-S1059056025008792-main.pdf 1 87BD092922E74483A6BC8849083447C5 b001361864c2cda67179e9cb0d339e85bb5313d921cfc6b4c3a591ca3e74a6a1 664cfccf-0e5a-11f1-a1ba-0050569b8976 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=228485 https://www.sciencedirect.com/science/article/pii/S1059056025008792?via%3Dihub 0 5ce816e6-0e5a-11f1-a1ba-0050569b8976 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=228484 Ekonomska fakulteta 0 0 0