title: UNIVERSAL BANKS IN EU CEE COUNTRIES IN 2019-2023 – COMPARATIVE ANALYSIS
abstract: Objective: The objective of this study is to ascertain the impact of two significant global shocks on the universal banking sectors of Central and Eastern European (CEE) countries: the emergence of the novel coronavirus (SARS-CoV-2) and the outbreak of war in Ukraine. The study will examine how countries' responses to these shocks, as measured by profitability, efficiency, and the volume and quality of loans, vary across different geographical locations and degrees of internationalisation of ban
journal: Scientific Papers of Silesian University of Technology Organization and Management Series