Foreign Banks - Drivers of Efficient Development or yet Another Problem?

Other than their capital, foreign banks also brought their paradigm of efficient business into our economic system, thus strengthening Serbia’s banking system. The aim of this paper is to point out the efficiency trends of the observed banks within the period from 2010 to 2017 using efficiency indicator ratios. The criterion for selecting banks is the amount of net balance sheet assets. By comparing the financial statements of the selected banks, as well as comparing the changes in the number of banks, the employees and the amount of balance sheet assets, with the achieved results, we gain insight into the overall banking image of our country, as the obtained values approximate an image of the entire Serbian banking system. They have been empirically calculated, graphically presented and commented upon in order to create, in a clearer way, an image of the efficient business operation of the banks in Serbia.